After a credit card is overdue for one year, you can continue to use it, but certain conditions need to be met.

First of all, after one year of overdue repayment, if the user has repaid the overdue amount in full and solved the credit record problem, the credit card account is likely to return to normal status, and the user can continue to use the credit card for consumption and withdrawals. .

Secondly, users also need to pay attention to whether there is a credit limit limit. During overdue repayments, banks usually reduce or freeze users' credit limits to reduce risks. Even if the credit card is available after repayment, your credit limit may be limited. You need to communicate with your card-issuing bank to find out whether your credit limit has been restored and how to increase it.

In addition, after reusing a credit card, users should also pay attention to the management of repayment. Make timely repayments and avoid overdue payments so as to maintain a good credit record and avoid unnecessary credit losses.

In short, after one year of overdue repayment of a credit card, users can continue to use it, but certain conditions must be met. You need to contact the card-issuing bank to confirm whether the credit limit has been restored. At the same time, you must do a good job in repayment management and maintain a good credit record.

Extended information:

Overdue credit card repayments will have a greater impact on personal credit records. Late payments will be recorded on one's credit report and may result in a decrease in credit score and adverse effects on future borrowing, loan and credit card applications. Therefore, timely repayment is one of the important ways to maintain a good credit record.

According to relevant Chinese laws and regulations, card-issuing banks usually take certain measures to recover overdue amounts, such as collections, fines, etc. Therefore, after overdue repayment, in addition to timely repayment, users must also maintain communication with the card-issuing bank to try to avoid overdue repayment from happening again.

In addition, China’s personal credit system is managed by the People’s Bank of China, and its records include personal credit information and credit history. Restoring your credit limit and repairing your personal credit takes a certain amount of time and needs to be determined based on personal circumstances and bank policies.

Therefore, although a credit card can continue to be used after one year of overdue, users need to confirm the credit limit and repayment status with the card-issuing bank, and at the same time strengthen the management of personal credit to maintain a good credit record and credit score .