After overdue repayment of a credit card, it is generally not possible to use it again according to relevant Chinese regulations. Overdue repayments will have a negative impact on an individual's credit record. Credit card issuers will report overdue records to credit bureaus, which will affect an individual's credit rating and thus affect the eligibility to apply for a credit card again.

Specifically, the following are detailed explanations of this issue:

1. Damage to credit record: Overdue repayments will be recorded by the bank and reported to the credit bureau. . This will damage your personal credit record and lower your credit rating. When applying for a credit card, banks will evaluate personal credit, and applicants with lower credit ratings are likely to be rejected.

2. Credit card limit freeze: After overdue repayment, the bank may freeze the credit card limit, that is, suspend the use of the credit card. This means that even if you repay the balance after the overdue payment, the credit card will still be unable to be used, and you need to apply to the bank to unfreeze the credit card to restore the use of the credit card.

3. Credit recovery takes time: Even if the debt has been paid off and the credit card limit has been unfrozen, it will still take some time to recover the credit record. Credit bureaus will not delete overdue records immediately, but will update them based on the repayment situation and time. Therefore, personal credit ratings may still be low for a period of time after overdue, and continued good credit behavior is required to gradually restore credit.

To sum up, it is a common situation that a credit card cannot be used again after overdue repayment. Overdue records will have a negative impact on a person's credit rating, making it more difficult to apply for a credit card again. Therefore, it is recommended that users repay on time when using credit cards to avoid overdue payments and maintain a good credit record.

Extended information: According to data from the Credit Reference Center of the People's Bank of China, as of the end of 2020, the overdue rate of China's credit cards continued to rise. Late repayment will have a long-term impact on personal credit, and may even affect home purchases, loans, employment, etc.

It should be noted that the above answers only apply to Chinese users, in the context of China’s credit card use and related policies. Credit card related regulations and policies may differ in different countries and regions. If your credit card is overdue in other countries or regions, please consult the relevant local laws and regulations.

The above answers are based on relevant Chinese regulations and are for reference only. If you have any questions, please consult relevant professionals or your local bank.