Yes. Because the credit card was overdue for half a month, the card was not blocked. As long as the account status of the credit card is normal, it can be used normally.

Repay the loan in time if it is three to five days overdue, and pay more when there is no overdue record in the credit report. Since banks usually have a grace period of several days for late payments, banks should report actual usage by credit card customers to the central bank. Credit cards that are overdue for half a month must be credit cards that have exceeded the grace period and will most likely be recorded in the personal credit system.

However, cardholders need not worry too much. As long as you repay in full, you can use your credit card even if it is half a month overdue, but this will affect your recent credit business. If you want to solve this problem, you can only continue to use the card, use it normally, pay on time, and make sure you have a good usage record. The impact in the future should not be too great.

Credit cards will be refunded after 15 days. If the credit card limit returns to normal and there are no abnormal prompts indicating that it is lower or higher than the user's limit, the card can be used normally. After the balance is settled, the credit card remains frozen and cannot be used normally. You must request an unfreeze to continue using your credit card.

Therefore, in order to avoid affecting future credit card use, users must return each credit card bill on time and maintain good consumption and repayment records.

How long will it take for the bank to sue you if your credit card is overdue?

Credit cards that are three months overdue will usually be sued by the bank. However, the prosecution should meet the following conditions: the plaintiff is a direct stakeholder in the case; there is a clear defendant; there are specific requests, facts and reasons; and the case falls within the jurisdiction of the court. The card issuer's failure to return the card after repeated collections is considered a malicious overdraft and is suspected of credit card fraud. If the amount of credit card fraud is relatively large, the person shall be sentenced to fixed-term imprisonment of not more than 5 years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan.