It is reported that whether the credit card can continue to be used after it is overdue is comprehensively evaluated by the bank in combination with the cardholder's historical use, merchant type, repayment ability and other factors. If the transaction is restricted after repayment, either the credit card itself has not been cancelled by the bank or it has been blacklisted by credit card merchants.
The first reason is that some banks will temporarily freeze credit cards that are overdue for more than 3 months, and the credit cards are in a state of stopping payment, so they cannot swipe their cards if there is a limit in the cards. This is a protective mechanism for banks to reduce the further increase of bad debt rate. Even if the card is paid off overdue, it may not be restored, and it needs to be systematically reassessed.
The second reason is that if the overdue period is less than 3 months and the circumstances are not serious, the bank will not stop paying the credit card. However, if the credit card itself is in a normal state, but the transaction is restricted after it is paid off, the problem may lie with the merchant. Many banks have their own blacklisted merchants, and transactions with such merchants will be restricted.
In another case, the credit card status is normal, and the merchant has no problem, but the cardholder has set a transaction limit for the credit card. Once the credit card limit is too high, the transaction will be restricted. This situation can be solved by changing the trading limit to the upper limit.