No, overdue credit cards will be restricted from spending, so it is impossible to operate by stages. It is recommended to pay off the arrears first, otherwise it will affect the cardholder's personal credit information:

1, the most direct impact is that non-repayment of the credit card is a breach of contract, and non-repayment will also generate five ten thousandths of daily late fees and interest. If the overdue amount is large and the overdue time is long, the bank has every reason to sue the cardholder and send the cardholder to prison. Cardholders also have to bear legal fees and other expenses.

2. Credit card overdue affects personal credit information. The People's Bank of China has a credit information system. Every citizen applies for a credit card, and every time the credit card is overdue or the installment payment is not returned, all credit consumption is recorded.

3. Credit card overdue affects personal loans. First, the number of loans has decreased.