After a late payment on a credit card (debit card), the time it takes to resume use depends on a number of factors. Typically, it can take anywhere from several months to a year to return to full use.

Detailed instructions:

1. Repayment time: After overdue payment, paying off the debt as soon as possible is the key to resuming use. Once all past due amounts are paid off, the credit card will begin to restore its available balance.

2. Credit record repair: Even if the debt is paid off, the overdue information in the credit record will still be retained. Repairing your credit history takes time, usually anywhere from a few months to a year. Consistent good repayment behavior can gradually improve your credit history.

3. Credit score recovery: Overdue credit scores have a negative impact. Once you pay off your balance, your credit score will not recover immediately, but will improve through continued healthy credit behavior. It is recommended to make on-time repayments and keep debt levels low to improve your credit score.

4. Bank policies: Different banks may have different policies and procedures to determine whether to restore credit card use rights. You need to consult the card-issuing bank for relevant regulations and comply with them.

Summary:

After paying off your credit card overdue, it will take time to resume use. Timely repayments, credit history repair, and credit score improvement are all key factors. The specific time for reinstatement depends on the individual's repayment behavior and the bank's policy.

Extended information:

If there is a special agreement with the card-issuing bank during the overdue period, such as applying for deferred repayment or installment payment, etc., then the recovery time may be longer. At the same time, continued good credit performance will help rebuild your credit history and improve your credit score, further restoring your right to use your credit card. It is recommended to avoid overdue situations and maintain healthy debt management habits.