You can continue to use it after paying off your credit card balance.

However, it may have caused a bad personal credit record. It is recommended that after you clear up the debt, you should swipe your card well, repay the loan in time, and try to cover the previous bad record with a good credit record, so that you can be better in the future. Credit history won't have much of an impact.

Don’t cancel the card immediately. If you cancel the card immediately, the record cannot be deleted, which will affect your personal credit and make it difficult to apply for a loan or a credit card in the future.