Credit card overdue for two years is regarded as a black account. If the credit card is overdue for more than 90 days or overdue for more than 6 times for 3 consecutive times, it is likely to be sued by the bank. When a user becomes a black account, no matter which bank he goes to handle any credit business, it will show that he is a black account, so it is more difficult for a black account to handle credit business.

Can I use my credit card if it is overdue for two years?

After the credit card is overdue for two years, if the repayment is negotiated with the bank, whether the credit card can continue to be used depends on the bank's decision. Under normal circumstances, if it is overdue for two years, the function of the credit card will be restricted, and it is impossible to consume and withdraw cash. After the arrears are paid off, if the bank resumes the function of the credit card, it can be used normally. If the bank does not recover, users can only reapply for credit cards.