It can be used. CCB credit cards that are overdue within 90 days can still be used after negotiation for repayment. At the same time, borrowers still have the opportunity to apply for credit cards or loans from other banks.

Details are as follows:

1. CCB credit cards can continue to be used after negotiation for repayment within 90 days of overdue credit: When a CCB credit card is overdue, the borrower has the right to negotiate repayment with CCB. If the borrower negotiates repayment with CCB within 90 days of overdue and pays off the balance in full, the borrower's credit card account will be restored to normal status and can continue to be used.

2. The borrower can still apply for credit cards from other banks: After the CCB credit card is negotiated for repayment within 90 days of being overdue, this record will not directly affect the borrower's application for credit cards from other banks. However, other banks evaluate a borrower's creditworthiness based on his or her personal credit report. Other banks may limit the credit limit or application results if the credit report shows that the borrower has poor credit.

3. The borrower can still apply for a loan: After the CCB credit card is negotiated for repayment within 90 days of being overdue, this record will not directly affect the borrower's application for loans from other banks. However, other banks will consider the borrower's credit status when approving loans, of which the information in the personal credit report is an important reference. Other banks may limit loan approval if a borrower's credit report shows negative records.

Summary:

After negotiating the repayment within 90 days of an overdue CCB credit card, you can continue to use the credit card. After the borrower negotiates repayment with CCB within the overdue period and pays off the balance in full, the credit card account will return to normal. In addition, overdue records will not directly affect the borrower's application for credit cards or loans from other banks, but other banks will refer to the contents of the personal credit report during the approval process. Therefore, the borrower's credit status may have a certain impact on the credit card or loan approval results from other banks.

Extended information:

Personal credit report is a report generated based on the borrower's credit record and loan information, which is used to help financial institutions evaluate the borrower's credit status. The personal credit information system is established and managed under the leadership of the People's Bank of China and aims to provide credit information services to promote the healthy development of the financial market. Overdue records in the credit report will have a negative impact on the borrower's credit rating and may affect the approval results of subsequent credit card applications, loan applications and other credit operations.

The above is the answer to whether a CCB credit card that is overdue within 90 days can be reused after negotiation and repayment, and whether it can be applied for credit cards or loans from other banks.