Overdue will produce bad records, and full repayment cannot eliminate bad records. The card cannot be used after it expires, but it can be repaid. If you want to use it again, ask the bank to exchange it for a new card, because you have repaid it in full. If the overdue period is not too much, that is to say, you have not cashed in maliciously, and the degree of malicious fraud will generally not affect your credit limit, so get a new card and remember to repay it on time in the future.