Details are as follows:

1. Premise of overdue repayment: it is three months overdue to pay off the credit card debt, that is, the user has paid off all overdue amounts and the credit card has returned to normal state.

2. Restore the available line: After paying off the arrears, Bank of Communications will re-evaluate the credit status of users and decide whether to restore the available line of credit cards according to the evaluation results. If users have good credit, they will usually be allowed to continue to use credit cards and enjoy the corresponding credit limit.

3. Keep a good repayment record: Even if you continue to use your credit card after overdue repayment, users should pay attention to keeping a good repayment record. Paying off the arrears of each bill in time to avoid overdue again is the key to maintaining the availability of credit cards.

Summary:

After the credit card of Bank of Communications is overdue for three months, the user has the opportunity to continue to use the credit card. However, users need to keep good repayment records to avoid overdue again, so as to maintain the availability of credit cards.

Extended data:

Different banks deal with overdue repayment of credit cards in a slightly different way. Please contact the customer service of Bank of Communications for details. In addition, it is also one of the important ways to keep the credit card available to plan your consumption and repayment reasonably and avoid overdue repayment.

Supplementary information: If the user fails to pay off the credit card debt within three months, Bank of Communications may take different measures, such as restricting the use of credit cards or reporting the overdue situation to the credit reporting agency. For specific treatment methods, users can consult the customer service of Bank of Communications. During the overdue period, overdue interest and related expenses may occur. Users should pay attention to the calculation of repayment amount and the handling of related expenses.