A credit card that is overdue for six months has formed a bad personal credit record and cannot be used anymore even after repayment. The relevant situation is explained as follows:

1. The main reason why personal credit records have bad records is because most consumers do not have enough understanding of personal credit. Generally speaking, if a credit card holder such as a credit card holder has consecutive Three overdue repayments or a total of 6 overdue repayments, or overdue payments lasting more than 90 days will result in a bad credit record that will be uploaded to the People's Bank of China;

2. Credit cards will be penalized by the issuing bank due to overdue bad records. The frozen card cannot continue to be used and will affect other credit services within the next five years. Because all banks deal with risks, they are unwilling to deal with people with bad credit records;

3. After overdue repayment , personal bad credit records will be kept for five years, and the bad records will be cleared after five years.