Can be used. If your CCB credit card is overdue for 3 months and is suspended and the balance is paid off, you can continue to use the credit card. The following is a detailed explanation:

First of all, the overdue suspension of CCB's credit card is temporary. As long as the outstanding balance is paid off, the bank will lift the suspension and the credit card can be resumed.

Secondly, after paying off the debt, CCB will update the credit card account status and restore it to normal status. This means that you can once again use your credit card to make purchases and withdraw cash.

In addition, late repayment will have a certain impact on personal credit records and may lower personal credit ratings. But as long as you pay off your debts in a timely manner and actively maintain a good credit record, your credit rating will gradually recover.

To sum up, after the CCB credit card is suspended overdue, you can continue to use it after paying off the outstanding balance. However, you need to pay attention to timely repayment, maintain a good credit record, and avoid being overdue again.

Extended information:

According to relevant regulations in China, banks can suspend credit cards after customers make overdue payments. Card suspension is a preventive measure designed to prevent past-due customers from continuing to engage in bad credit behavior. But as long as the customer pays off the balance, the bank will lift the card suspension and allow the customer to continue using the credit card.

Please note that different banks may have different policies and procedures for handling overdue payments. Therefore, in the case of overdue card suspension, it is recommended to contact the bank in time and follow the bank's guidance to repay and cancel the card suspension.

In addition, in order to avoid problems caused by overdue payments, credit card holders are advised to plan their consumption reasonably and ensure repayment on time. You can set up functions such as automatic bill repayment and reminder services to remind yourself of the repayment date to avoid overdue payments caused by forgetting to repay.