detailed description:

1. A credit card that is overdue for three months means that the cardholder has failed to repay the credit card arrears on time in the past three months.

2. once the cardholder pays off the overdue debts, the credit card account will no longer be deemed as overdue.

3. afterwards, the cardholder can continue to use the credit card for spending, but he needs to pay attention to repayment on time to avoid overdue again.

conclusion:

after three months overdue, the credit card will not be overdue after paying off the arrears. Cardholders can continue to use their credit cards, but they should remember to repay them in time to avoid overdue again.

Extended information:

Overdue credit cards will have a negative impact on personal credit records, affect personal credit rating, and may lead to the inability to obtain higher credit lines, loans, housing rentals and other financial services. Therefore, it is very important for personal financial management to avoid overdue credit cards. Cardholders should repay their debts regularly and set up a reminder mechanism to remind themselves to repay on time.

Note: The above answers are for reference only. Please refer to the actual situation and the policies of banks or credit card issuers. For specific legal issues, please consult relevant professionals.