Of course, a black account can apply for a credit card, but the chance of making a payment is very low.

The withdrawal rate will only increase after 2-3 years of overdue payment. Or you can apply when the bank releases funds, and the approval rate will also increase. There is another situation that can improve the card application rate, and that is to make a deposit or large-amount financial management at a bank. This can prove your repayment ability and improve the approval rate.