Hello, regarding your problem, your Bank of Communications credit card has been paid off after being overdue for 3 years, but the card cannot be used now. The solution is as follows:

First of all, I will To give a concise answer: You can solve this problem and restore the use of your Bank of Communications credit card by taking the following steps.

Detailed instructions are as follows:

1. Contact Bank of Communications customer service: You can call the customer service number of Bank of Communications to explain your situation and ask how to solve it. Customer service staff will provide you with more detailed guidance and inform you of the required materials and steps.

2. Complete relevant materials: According to the requirements provided by customer service, you may need to provide some relevant materials, such as repayment vouchers, identity certificates, overdue certificates, etc. Please ensure that the materials you provide are true, accurate and complete.

3. Submit application: Follow the customer service instructions and submit the required materials to Bank of Communications, which can be done at the counter, by mail or by email. Please pay attention to provide materials as required and fill in the corresponding application form.

4. Waiting for processing: Once you submit the application, you need to wait for Bank of Communications to review and process the application. The specific processing time will vary depending on various factors, such as the complexity of the application, the number of people handling it, etc.

5. Follow up on the processing progress: During the waiting period, you can consult the customer service of Bank of Communications at any time about the progress of your application processing. If necessary, you can also provide additional information or supplementary materials to expedite processing.

Summary: In order to solve your problem, you need to contact Bank of Communications customer service, provide relevant materials and submit an application, and then wait patiently for the processing result. Prompt communication and cooperation with the bank's requirements throughout the process will help restore your credit card use faster.

Extended information: If your Bank of Communications credit card is overdue for 3 years and has been paid off, but the card is still unable to be used, it may be due to abnormalities in the credit card account, damage to the credit record, etc. Therefore, timely communication with the bank and following the solutions provided by the bank are the keys to restoring card use.

I hope the above information is helpful to you, and I wish you can successfully solve the problem and resume normal use of your credit card. If you have any further questions, please feel free to ask me.