The answer is that it cannot be repaid normally. If a credit card is overdue for more than one year, it has exceeded the normal repayment period. For the credit card company, it will be judged as seriously overdue and corresponding measures will be taken.

Specifically, the following are several reasons that may affect your normal repayment:

1. The credit card company may file a lawsuit against you: if the payment is overdue for more than one year, The credit card company may choose to take legal action and file a lawsuit in court to recover the money.

2. Your credit record is seriously affected: Being overdue for more than one year will have an extremely negative impact on your credit record, which may cause you to encounter difficulties in future financial transactions, such as being unable to obtain a loan or purchase. The item was rejected.

3. High interest rates and late payment fees may be incurred: Overdue credit card repayments will result in high penalty interest and late payment fees. The longer the overdue period, the higher the fees.

To sum up, after a credit card is overdue for more than one year, it is impossible to repay it normally. Overdue payments will have a serious impact on your credit record and lead to many adverse consequences. We advise you to contact your credit card company as soon as possible to learn how to resolve overdue issues and properly handle overdue payments as soon as possible to avoid possible legal disputes and further economic losses.

In addition, for more specific solutions and related policy details, you can consult your credit card company or relevant financial institution to obtain accurate information and professional advice.