You can apply, but the bank can refuse. If you haven't paid off the money you owe, it's impossible for the bank to cancel the credit card, otherwise they will have to bear the loss. It is recommended that you cancel the card after repaying the loan. If you have no money to repay, you can learn from these methods.

Lesson 1: Credit cards all have a minimum repayment amount. You can repay that first, and the bank will not take legal action against you or affect your future credit! But don’t think that everything will be fine. The bank will charge an interest of 0.05% per day until all is paid off. until payment is owed.

Lesson 2: Credit card bill installment. You can choose to call the customer service number a few days before the repayment date and apply for bill installments or single large-amount installments. Of course, this will definitely charge a handling fee, but there is no interest. You can completely divide 3 or 6 according to your ability. , 12 installments.