Whether the credit card can still be used normally after repayment is overdue needs to be divided into the following situations:

1. If the credit card holder can provide reasonable and sufficient reasons to the card issuer , prove that it is not overdue due to malicious default, then the credit card can still be used normally after overdue repayment;

2. If the cardholder owes money maliciously, or although it is not malicious, but due to excessive If the credit card cannot be repaid due to consumption, then the credit card cannot be used normally after overdue repayment.