Yes, after the credit card is paid off overdue, the card can continue to be used.
Detailed instructions:
1. After the credit card is paid off overdue, the bank will lift the freeze on the card and return it to normal status. This means you can use the credit card again for things like making purchases and cash withdrawals.
2. After overdue repayment, the bank may re-evaluate your credit status. If you make your payments on time and maintain a good credit history, the bank may increase your credit limit or provide other benefits.
3. Even if you have a past due record, as long as you pay off the debt in time and reach an agreement with the bank, your credit history may not be affected for a long time. But be aware that too many late payments can have a negative impact on your credit rating.
Summary:
After paying off a credit card overdue, the card is still usable. However, it is recommended that you be more cautious in future use and make sure to repay on time to maintain a good credit record and credit rating.
Extended information:
According to mainland China’s credit system, late repayments will have a negative impact on personal credit records, which may lead to difficulties when applying for a loan or credit card next time. Therefore, it is crucial to pay off overdue amounts promptly. Banks may take different measures when dealing with overdue repayments, such as sending you a collection notice, adding interest or penalties, etc. Ensuring timely communication with the bank and paying off the balance as soon as possible can reduce unnecessary troubles and expenses.