Of course. If the credit card is overdue for two months, it can still be used after repayment. If it is overdue for more than three months, it will be stopped by the bank, that is, it cannot be used. If it is overdue for two months, the bank may suspend the freezing of the account, and you can apply for opening it after repayment. If the credit card has been overdue before, pay off the money first, and then call the customer service hotline to see if it can be restored.

Credit cards overdue for two months will generally be temporarily frozen. Whether it can be used after it is returned two months overdue depends on the audit of the banking system. Different banks have different penalties for overdue credit cards. You can try to pay off the credit card debt first and then apply to the bank for recovery.

Take CCB credit card as an example:

1, CCB's credit card overdue for more than 30 days will be reduced to 50% of the original limit;

2. CCB credit cards that are overdue for more than 60 days will be temporarily frozen;

3. CCB's credit card will be stopped if it is overdue for more than 90 days. Whether you can continue to use it after paying off depends on the approval result of the bank.

1, if it is a credit card of China Merchants Bank, there are generally two situations in which the card is frozen beyond the time limit: after the repayment is received, the amount in the card will be restored immediately; After repayment, the card cannot be used again. Just cut the card and handle it properly. There is no need to cancel, and it cannot be cancelled. Generally, it is more than 30 days overdue, which may be the second case. You can't apply for another card. If you want to know what kind of card your card belongs to, you can call our customer service phone.

2. In fact, there are many cases of overdue payment, such as forgetting to repay, delaying bank transfer, maliciously overdue, and long-term arrears. In each case, the consequences of late payment will be different. Some people may still be able to use their cards, but users will never lose their credit card rights. Here are several situations to be discussed: for those repayments that are not malicious and overdue for a short time, banks generally turn a blind eye, and as long as they are paid off immediately after the deadline, they will not freeze their credit cards. If the overdue time is too long, and it is a malicious overdraft, then if it is not repaid for more than 3 months, the bank will freeze its credit card and may not be able to use it after paying off. However, it is best to contact the credit card customer service to see if it can be unfrozen.

The credit card is overdue and then the debt is paid off. Does it still affect credit reporting?

1, as long as there are overdue repayment records in the overdue credit records of credit cards, it will have a certain impact on personal credit. However, personal credit reports do not permanently record overdue information. As long as the overdue person has paid off his debts and maintained a good credit record for five years, anyone can restart his credit record. Although the overdue records will be kept in the credit report for five years, as long as the conditions are met, the paid-off overdue records will not affect the borrower's loan or credit card application: if the borrower is less than three months overdue, as long as the borrower can maintain a good credit record for half a year after paying off the debt.

2. After paying off the debt for half a year, the borrower can reapply for a loan or credit card. If it is overdue for more than three months, the borrower can maintain a good credit record for two years after paying off the arrears. After paying off the debt for two years, the borrower can reapply for a loan or credit card. It is worth noting that the overdue records after 5 years have been deleted, which means that the overdue records in the credit report have only been retained for 5 years. The overdue records in the bank database are kept for life. As long as the bank wants to inquire, it can find overdue records at any time. But in order to give the borrower a chance to turn over a new leaf, the bank will not inquire about the overdue records of the borrower many years ago.

1. Overdue repayment after credit card overdraft is a breach of contract. The bank may require the cardholder to repay the principal, overdue interest, late payment fee and over-limit fee, etc. If the bank wins++,the cardholder will also bear the litigation costs. Secondly, if the cardholder maliciously overdraws a certain amount for the purpose of illegal possession and fails to pay it back within the time limit, which constitutes the crime of credit card++,he should also bear criminal responsibility. Finally, the overdue period will leave a bad credit record for the cardholder, which will affect the smooth progress of the cardholder's future loan and other behaviors. The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 61 of this Law, the borrower may return it at any time; The lender may urge the borrower to repay the loan within a reasonable period of time.

2. Article 207 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the contract or the relevant provisions of the state. If the borrower repays the loan in advance, unless otherwise agreed by the parties, the interest shall be calculated according to the actual loan period. Article 196 of the Criminal Law of People's Republic of China (PRC)++credit card is under any of the following circumstances. If the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan shall be imposed; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other particularly serious circumstances, the penalty shall be++or above 18 years, and a fine of more than 50,000 yuan and less than 500,000 yuan shall be imposed, and the property shall be confiscated.

What responsibility will the bank pursue after the credit card is overdue?

1. Once the overdue credit card is paid off, it cannot be cancelled. The debt is settled, but the overdue credit will not be revoked immediately, and there is no way to repair the credit. Overdue records can only be automatically eliminated after 5 years from the date of payment. Most importantly, the number of overdue times determines the degree of bad credit reporting and affects the pass rate of subsequent credit business.

2. If the credit card has been paid off many times overdue and you still want to borrow money or apply for a credit card, most of them will inevitably check the credit information to see the overdue times. The overdue time is expressed in figures and calculated in months. 0 means no overdue, 1 means overdue 1 time, 2 means 2 times, 3 means 3 times, and so on.

3. Generally, there are three 1 in a row, or six 1 in total. This kind of credit is very poor, that is to say, as long as it happened in the last two years, whether applying for a loan or applying for a credit card will be rejected directly. If it fails, the inquiry record will leave a record of loan approval or credit card approval.

Therefore, if you want to apply for credit business after the credit card is overdue for many times, you'd better check the credit information first to understand the overdue degree before making a decision. For example, if it is paid off within two years, it has not been exhausted continuously. After overdue repayment, you can improve the credit information for one or two months, and then go through it. There is still a chance to pass it.

Extended data:

Can I use my credit card after I pay it off?

Whether the credit card can continue to be used after it has been paid off overdue should be analyzed in detail:

1. If the cardholder forgets to repay or the credit card is overdue due to force majeure, the bank will allow the cardholder to continue using the credit card after the cardholder provides relevant certificates;

2. If the credit card is overdue for a long time, and the cardholder maliciously overdraws it and fails to repay it for more than three months, the bank will freeze the credit card and may not be able to use it after paying it off.

What should I do after I pay off my overdue credit card? The correct way to deal with it. Look here!

Overdue credit cards will not only affect personal credit, but also generate high interest charges. I don't want my credit to get worse and worse, and my debts are high. Pay off my credit card debts quickly. Many people think that it will be all right to pay off the credit card after it is overdue, but it is not entirely like this. Then, what should I do if my credit card is overdue? Let's have a look.

What should I do after I pay off my overdue credit card?

The overdue credit card has been paid off, but the debt problem has been solved, and the credit investigation has not been resumed. There are still overdue records in the letter newspaper, which still has an impact on the credit business of handling credit information in the future. However, if you can continue to use credit cards to repay on time and generate new credit records, you can slowly cover the overdue records.

As we all know, the use of credit cards may be restricted by banks, so it is best to know the current status of credit cards, mainly to see whether they are frozen or stopped by banks. If you haven't received the notice that the bank will freeze and stop paying the credit card, you can use the credit card to pay online if there is a credit card limit to see if it can be successful.

1, the successful transaction indicates that the credit card status is normal. We should standardize the use of cards in the future. In addition to increasing the frequency of credit card swiping, it is also necessary to diversify consumption, especially online payment, including WeChat and Alipay. Nowadays, many banks have points in online transactions, which are not easily controlled by banks.

2. The transaction failed and many merchants replaced it. Credit cards may be frozen or stopped. The cardholder can call the issuing bank to transfer the current credit card status to manual customer service, and whether the credit card can be restored. It's best to tell the customer service that it's not malicious overdue and ensure that the card can be used well in the future. If the overdue period is not serious, it can be resumed.

The above is the introduction of "What to do if the credit card is overdue", and I hope it will help everyone.

Can I still use my credit card after it has been paid off?

If your overdue time is short and your debt is not big, you can still use this credit card after you pay it off. If it is overdue for a long time, the overdue amount is also large.

After you pay off, the bank will control the risk and your credit card limit may be reduced. If the overdue situation is serious, your credit card may be blocked and cannot be used.

There is no way to eliminate the overdue records of personal credit information. If it is overdue, it will be retained for 5 years, and the overdue records will be automatically eliminated after 5 years. If it is overdue, the overdue record will always be recorded in the credit report and will never disappear.

It should be noted that if the overdue records in the credit information are inaccurate, the relevant institutions can issue certificates at this time.

Then go to the branches of the people's bank of China in various places to apply for elimination. If the evidence is conclusive, it will usually be ruled out. Except the People's Bank, no other institution here has the right to modify the credit information.

When personal credit information becomes bad, it will affect the handling of various loans. When handling, banks will first pay attention to credit information. If the credit information is not good, it is very likely that banks will refuse to accept it.

In order to avoid personal credit deterioration, users must repay on time after handling all kinds of loans to avoid overdue.

The channels for personal credit inquiry include branches of the People's Bank of China (version 7. 1.7), official website Credit Information Center of the People's Bank of China and bank counters; When inquiring through official website, the Credit Information Center of China People's Bank, you must register before you can inquire; Everyone chooses the query method that suits them according to the actual situation.

Bad credit information is kept for 5 years, and credit information inquiry records are kept for 2 years;

Generally, on the credit report, in the column of records inquired, there will be a line showing "records inquired in the credit report in the last two years".

In other words, from the date of inquiry records, all inquiry information within two years will be displayed on the credit records.

Loans overdue and other records in the consultation report will be kept for five years.

But it should be noted that the disappearance of records after five years here refers to five years from the date when the arrears are paid off.

Elimination method of overdue record of personal credit information

1, short-term overdue, take the initiative to contact the bank after making up the arrears; Not all overdue, personal credit report will be displayed immediately.

Some banks will have a few days' tolerance, and some will not report overdue records to the central bank's credit information center until next month, so contact the defaulting bank as soon as possible to solve the problem before reporting;

2. If the overdue time exceeds 90 days, pay off the arrears and maintain good credit habits: if the overdue time is long, report to the credit bureau, in addition to paying off the arrears, remember to pay penalty interest.

In addition, don't return the card immediately, continue to maintain good consumption habits, and the bad records will be automatically eliminated after 5 years. Most loans only refer to the credit records within two years except mortgage;

3. Unexpected overdue requires the bank to issue a "non-malicious overdue certificate": banks are also human beings. If you are overdue due to unemployment, illness, going abroad, etc. Take the initiative to contact the bank and explain your actual situation.

Open a "non-malicious overdue certificate" and the loan can also be repaid;

4. Overdue submission of "objection application": Many people's overdue credit reports are not caused by themselves, but may be caused by "fake loans". Contact the bank to explain the situation, and then submit an objection application to the credit information center of the local people's bank. Generally, such bad overdue records can be eliminated within 15 working days.

How long can the credit card be resumed after it is overdue?

It will take five years to resume credit reporting after the credit card is overdue.

Because according to Article 16 of the Regulations on the Administration of Credit Information Industry, "the retention period of personal bad information by credit information agencies is five years from the date of termination of bad behavior or incident, and it should be deleted after five years". In other words, the previous bad credit records will be deleted five years after the arrears are paid off. Some people just want to cancel their credit cards after overdue repayment. In fact, the repayment record in this card will not disappear in the credit report because of the cancellation of the card, and the credit report will also record the card usage in the first five years.

However, in practice, banks will not be so strict when reviewing credit information, nor does it mean that there are some small bad records that will not give opportunities at all. Moreover, the credit report is not the only content that needs approval. Personal income, assets under one's name and bank flow may all affect the loan application.

If the credit card is overdue, the first thing to do is to pay off the debt in time and maintain a good credit. If you pay off your debts after the deadline, don't close your account in a hurry. You can use this card more and repair credit cards with good credit records. Overdue records will be made up with good records, and don't lose contact after the deadline. In this way, the bank may think that you are "running away", doubt your credit even more, and even++you.

Credit card involves credit investigation, so it's best not to overdue it. If the money is really overdue, you should pay back the money you owe immediately, and pay the late fee and interest. This is only one aspect, on the other hand, it depends on the length of overdue time. If it is only a day or two overdue, don't worry too much. Under normal circumstances, banks will set a grace period, and repayment within the grace period has no effect.

But if it is overdue for a long time, the bank will send a text message to remind me first, and then call me to collect it. If there is still no repayment, the bank will also call the contact person in the address book for collection, and the bank will report it to the credit information system, which will seriously affect the credit information. For malicious arrears, the bank may also handle them++,so if the credit card is overdue, you must pay back the money as soon as possible and develop a good habit of using the card. Once the credit information is damaged, it is true.

Pay off the credit card after overdue repayment, and the introduction of canceling the credit card after overdue repayment ends here. I wonder if you have found the information you need?