If the credit card fails to repay after the repayment period and the minimum repayment amount is not paid within the grace period, it is overdue. Whether a credit card can be used after it is overdue depends mainly on the specific situation of your credit card. If your credit card is not frozen, and there is still an available amount in the card, your credit card can still be swiped; However, if there is no available credit limit in your card, or it has been frozen by the bank, it is naturally unusable. Regardless of whether the credit card can be used after it is overdue, it is recommended that you repay it as soon as possible to avoid more serious impact. If you really can't afford it, you can choose to apply for installment repayment, or just pay the minimum repayment amount. In this way, at least your personal credit will not be affected for the time being, and there can be a buffer period, and the repayment pressure will be less. If the card can't be used because it is blocked within the time limit, you should repay it as soon as possible, safeguard your credit, and then wait for a while before applying for unblocking.