Hello, if it is a credit card of China Merchants Bank, please explain the situation in detail. If you mean that the credit card limit is used up, the credit card limit will not be restored until you repay the loan, and then you can continue to use the card. The red letter is still displayed when the credit card is not overdue, indicating that the cardholder is not overdue at present, but the content is more important, so it is marked in red to remind the cardholder to pay attention to this line. If the cardholder's account has been overdue before, it will also be marked in red font. The cardholder can check whether there is a digital display in the corresponding status box. If it shows 0, it means it is not overdue. If a number is displayed, it corresponds to the cardholder's current overdue status.