Can be used normally. Overdue online loans and credit cards are two independent borrowing channels that do not affect each other. Even in the case of overdue online loans, credit cards can still be swiped normally. However, overdue online loans will have a negative impact on personal credit records, which may lead to a decline in credit rating, thus affecting future credit loans or other financial services. Therefore, timely repayment of overdue online loans is an important part of maintaining personal credit.

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The relationship between overdue online loans and credit cards is relatively independent. Overdue online loan usually means that the borrower fails to repay the loan on time, which may lead to the damage of the borrower's credit record. Credit card is a debit card or credit card provided by the bank, which can be used for consumer payment and other operations. Although overdue online loans may have a negative impact on personal credit records, it will not directly affect the use of credit cards. However, it is suggested that borrowers actively pay off overdue online loans to maintain a good credit record and facilitate access to more financial services in the future.