A credit card that is overdue and deactivated can still be used after it is paid off. Specifically, the following is a detailed explanation of this issue:

1. Overdue credit cards can be used after they are paid off. Once the payment is overdue, the bank will suspend the use of the credit card. But once the balance is paid off in full, the account will return to normal and the credit card can continue to be used.

2. The reason why banks deactivate credit cards after overdue repayments is to ensure that borrowers can repay in time. Overdue repayment means that the borrower cannot fulfill its repayment obligations on time. In order to protect its own rights and interests, the bank will suspend the use of the credit card. Once the balance is paid off and the borrower re-demonstrates the ability to repay the debt on time, the bank will reinstate access to the credit card.

3. Late repayment will have a certain impact on credit history. Late repayments will have a negative impact on an individual's credit record, which will be recorded in the data of credit bureaus. Although you can continue to use your credit card after paying off your balance, a record of late payments may affect your credit score and credit limit review for a period of time.

To sum up, an overdue credit card can still be used after it has been paid off. However, borrowers need to be aware of the negative impact of late payments on their credit history and work diligently to repay them in the future to improve their credit scores. This ensures that you will continue to enjoy the use of the credit card and related benefits in the future.

Extended information:

According to Chinese laws, banks have the right to suspend the use of credit cards when borrowers make late repayments. The specific suspension period may vary depending on the bank's policy, but the bank will restore the credit card's access once the borrower has paid off the balance in full. Late repayments will have a certain impact on an individual's credit record, which may result in a decline in credit score or a limit on credit limit. Therefore, trying to avoid overdue credit card payments is one of the important measures to maintain a good credit record.

Please note that the above information is for reference only, and the specific situation is subject to the bank's policies and contract terms. If necessary, please consult relevant banking institutions or professionals for more detailed answers.