You can apply for a credit card even if you have an overdue record. The following is a detailed explanation of this issue:

1. A credit card is a lending tool used for consumer payment and credit management. Although late payments can have a negative impact on one's credit history, it does not mean that one cannot apply for a credit card in the future.

2. Credit card issuance behavior is mainly determined by banks or financial institutions. While late payments can lower an individual's credit rating, it's not the only factor banks consider when issuing credit cards.

3. When banks approve credit card applications, they usually consider multiple factors, including an individual's credit record, income status, debt burden and other relevant information. Late payment is only one factor, not the only decisive factor.

4. If the applicant has a history of late repayments, the bank may review the application more carefully and make decisions based on the individual's overall credit status. Sometimes, applicants may be required to provide additional guarantees or pay a certain deposit in advance to reduce risks.

In short, although having a record of late repayments will have a negative impact on your credit rating, it will not completely prevent an individual from applying for a credit card. The final decision on whether to apply for a credit card depends on the bank's specific requirements and approval standards.

Extended information:

Overdue repayment means that the credit card holder fails to repay in accordance with the agreed repayment date and amount. Late repayments will result in negative records on one's credit report, thus affecting one's credit rating. Banks and financial institutions often report late payment information to personal credit information agencies so that other financial institutions can evaluate it for future loans, credit card applications, etc.

When applying for a credit card, banks usually look at an individual's credit report and spending behavior to assess the individual's repayment ability and credit risk. A history of late repayments can have a negative impact on an individual's credit rating because it indicates that the individual has failed to repay debts on time in the past. However, late payment does not mean that an individual cannot obtain a credit card for life. Each bank has certain flexibility when approving credit card applications.

For those who have a history of late repayments, it is recommended to take some measures to improve their credit status. First, try to avoid late repayments again and maintain a good repayment record. Secondly, repay overdue debts in a timely manner to minimize the impact of bad records. In addition, you can gradually restore your personal credit by maintaining a stable source of income, planning your finances reasonably, and actively communicating with banks.

In short, although having a record of late repayments will affect an individual’s credit rating, it is still possible to apply for a credit card under certain conditions. The final result of applying for a credit card depends on the bank's individual policies and comprehensive assessment. It is also recommended that individuals actively improve their credit status and avoid late repayments again, so as to improve their credit rating and the success rate of credit card applications.