Detailed description:

1. After the credit card is overdue for four months, the bank may take some restrictive measures on your account, such as freezing your account and raising interest rates. This is because overdue repayment will have a negative impact on your credit history and make banks question your repayment ability.

2. After repayment, if you can repay all overdue funds in time and negotiate with the bank to solve the overdue problem, your credit card can still be used normally. The bank will usually restore your credit card account to a normal state, but it may take some time to repair your credit history.

3. In order to avoid overdue repayment, it is recommended to ensure that credit card arrears are repaid on time to avoid overdue again. At the same time, communicate with banks in time, seek help and solutions, and maintain a good credit record.

Summary:

After the credit card is overdue for four months, if the overdue amount is paid off in time and the problem is solved through consultation with the bank, the credit card can be used normally. However, establishing good repayment habits and effective communication with banks are the key to maintaining personal credit records.

Extended data: