Whether a credit card can be used normally after overdue repayment depends on the time of arrears and the amount of the credit. If you make timely payments within the grace period, it usually won't affect your credit card usage.

If the overdue period is short and the amount is small, the credit card can still be used normally after being paid off in time, or it may be reduced by the bank, depending on the bank's review results.

If the credit card is overdue for more than three months, the bank will usually consider it to be a malicious overdue credit card and freeze the credit card. In this case, the credit card may not be able to be used again after paying off the balance. After repayment, you need to call the bank's credit card center or go to the counter to explain the situation and apply for unfreezing. The bank will re-evaluate based on the past credit record. If the past credit is good, it may agree to unfreeze. If the evaluation result is not good, the bank will refuse to unfreeze to avoid risks.

Will a credit report be filed if the credit card is overdue?

If a credit card is overdue, a credit report will be filed. As long as the cardholder's credit card usage is overdue, the bank will report the cardholder's overdue record to the credit reference center. When overdue records are uploaded to the credit reporting system, the bad records will be kept in the personal credit report for 5 years from the day the cardholder pays off the debt, and will be eliminated after 5 years.