Cannot be used. If a credit card is overdue for more than three months, the normal use of the card will be stopped, so a credit card that is overdue for 180 days cannot be used. A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back.