According to your description, it seems that it has been a long time, so you can apply without any impact, as long as you have no overdue records now, because generally speaking, the credit system keeps it for five years. After five years, your overdue record will be automatically eliminated. If you have been overdue for a long time in the past, it is possible to apply successfully. You can just follow the general credit card application process to prepare. As long as you have a stable job now, you can apply. . I hope my answer can help the original poster!