1. Bank recovery period: Under normal circumstances, the bank will deal with the overdue repayment within a period of time to determine whether the account can be resumed for normal use.
2. credit record repair: overdue repayment will have a negative impact on personal credit record, and it will take some time to restore credit. Every bank and credit institution has different standards when evaluating personal credit, but generally speaking, overdue records will gradually reduce the impact on credit scores in a few months to a year.
3. improve the credit score: besides waiting for time to repair, it is suggested to take active measures to improve the credit score. Such as timely repayment, maintaining good debt management and avoiding frequent application for new credit. This will help to rebuild credit more quickly after overdue payment.
conclusion: after the credit card is paid off overdue, it will take some time to resume use, depending on the bank policy and the process of credit record repair. At the same time, it is also important to actively take measures to improve the credit score.
Extended information: The time and conditions for resuming the use of credit cards after overdue payment vary according to local banking policies. In China, according to the regulations of the People's Bank of China, banks need to report overdue information to the credit information system within 3 days after default. The repair of credit records usually takes a long time, and the relevant banks or credit institutions should be consulted for accurate information.