detailed description:

1. First of all, seven months is not a long time in loans overdue, and you can apply for a credit card in the settlement state.

2. Credit cards are handled according to personal credit status. Overdue loans will have a negative impact on credit evaluation, but it is not absolutely impossible to handle credit cards.

3. A variety of factors need to be comprehensively considered when handling credit cards, including overdue loans, other credit records, personal income, etc. If overdue loans are individual cases, and have a good credit record and stable income, it is still possible to apply for credit cards.

4. When applying for a credit card, you can provide other supporting materials to strengthen your personal credit status, such as a steady salary and a stable job position, which will also contribute to the success of the credit card application.

Conclusion:

Seven months in loans overdue is not an absolute factor that affects the handling of credit cards. Other factors should be considered, such as personal credit status and income. If there are other factors besides overdue loans, it is still possible to successfully apply for a credit card.

Extended information:

Overdue loans will have a negative impact on personal credit status, but it will not permanently restrict credit card processing. Personal credit evaluation is a process of comprehensive consideration. In addition to overdue loans, other factors such as credit history, income status and stability will also be considered. If an individual has a good credit status in other aspects, such as a stable job and a good credit record, it is still possible to apply for a credit card even if overdue loans exist.

in addition, the situation of overdue loans also has different degrees of influence. If the overdue loan is only an individual case, other loans are repaid on time, and the overdue loan has been settled in full, it will have a small negative impact on credit evaluation. However, if there are many overdue loans or overdue for a long time, the negative impact on credit evaluation will be more serious, which may affect the success of credit card processing.

in the end, the result of handling a credit card needs to be determined according to the specific situation. Clear, true and sufficient personal credit status proof materials should be provided when applying, so as to increase the possibility of successfully handling a credit card. At the same time, develop good financial management habits, and pay more attention to the timeliness and punctuality of repayment in future daily life, so as to maintain personal good credit status.