Yes, you can usually still use your credit card three months after payment is overdue.

Specifically, for credit card accounts with overdue repayments, the following points need to be considered.

First of all, late repayment will cause damage to your credit history. Banks will report overdue records to the credit bureaus, which will have a negative impact on an individual's credit score. The level of your credit score is closely related to various financial transactions such as credit card applications, loans, and renting, so it is very important to repay your loans in a timely manner.

Secondly, late repayment will result in penalty interest and late fees. Overdue repayment amount will be charged penalty interest according to a certain proportion, and late payment fees will also need to be paid. These additional charges may burden your credit card and require payment in addition to your normal bill repayments.

Finally, some banks will take restrictive measures based on overdue conditions. Although credit cards can usually be used after three months of overdue payment, some banks may impose restrictions on seriously overdue accounts, such as limiting cash withdrawals, reducing consumption limits, or temporarily freezing them.

To sum up, after a credit card is overdue for three months, you can generally continue to use it, but you need to pay attention to the damage to your credit record, the occurrence of additional fees, and possible restrictions. Therefore, avoiding late repayments and repaying on time are important ways to maintain a good credit record.

In the extended information, the specific policies for late payment of credit cards may vary from bank to bank. Therefore, users should pay attention to the relevant regulations and notices of the bank in specific circumstances to maintain understanding of their credit card accounts. In addition, it is recommended that users plan their consumption reasonably when using credit cards to ensure that they can repay on time and avoid adverse consequences caused by overdue payments.

So, if a credit card is three months overdue for repayment, you can generally continue to use it, but you need to pay attention to the impact of overdue payments on your credit record, the occurrence of additional fees, and possible restrictions. Avoiding late payments and making on-time payments are very important to your personal credit record.