Banks have overdue credit cards and generally cannot continue to use them. The bank will decide whether to suspend or restrict the use of the credit card based on the customer's credit history and repayment status. The following is a detailed explanation of whether banks can still use overdue credit cards:

1. Banks usually list overdue credit cards as "bad credit records." Overdue credit cards can have a negative impact on a person's credit rating and can cause obstacles when applying for loans or credit cards from banks and other financial institutions.

2. The bank has the right to suspend the use of overdue credit cards. Late repayment will cause the bank to suspend or restrict the use of the credit card to protect its own rights and interests. While the credit card is frozen, the cardholder will not be able to make purchases by swiping the card.

3. In some cases, banks will require overdue credit cards to be paid in full. If the overdue situation is serious and lasts for a long time, the bank may take debt recovery measures and require the cardholder to repay the entire overdue amount at once.

To sum up, banks generally cannot continue to use overdue credit cards. Overdue credit cards can have a negative impact on an individual's credit history and may result in a bank freeze or restriction on the card's use. Cardholders may be required to pay off all past due amounts to resume use of their credit card.

Extended information:

The bank's handling of overdue credit cards is usually determined based on personal credit history and repayment status. Cardholders should actively repay overdue amounts, negotiate repayment plans with banks, and maintain communication with banks to avoid further damage to their credit records. At the same time, cardholders can consult the relevant customer service of the bank to learn about the specific processing methods and repayment requirements.

It should be noted that the above answers are based on general circumstances, and specific answers may be affected by other factors, such as changes in bank policies or differences in personal credit status. Therefore, in actual situations, the specific processing methods may be different, and cardholders need to communicate and negotiate with the bank based on their own circumstances.