According to the information you provided, if your credit card in China Bank is overdue for three times, you can't apply for a car loan for the time being. The solution is as follows:

First of all, communication with the Bank of China is the first step to solve the problem. You can ask the bank for detailed information about your credit status and loan eligibility.

Secondly, it is very important to actively improve the credit record. It can ensure that all debts are repaid in time and avoid overdue situations as much as possible. This will help to restore your credit score and improve the success rate of loan application.

In addition, you can consider looking for other financial institutions or banks to find out if there is a more flexible loan policy. Different institutions may have different requirements and standards for credit records.

Summary: If your credit card in China Bank is overdue for three times, you can solve it by communicating with the bank, improving your credit record and looking for other financial institutions.

Extended data:

Overdue repayment will have a negative impact on personal credit record and reduce credit score. I suggest you avoid overdue repayment, ensure that you pay off your debts on time and maintain a good credit record.