It is still possible to apply for a credit card if there has been an overdue payment in the past two years.
First of all, bank credit card policies vary from bank to bank. Some banks may have stricter approval standards and higher requirements for applicants with previous overdue records to ensure that the borrower's credit status is good. However, some banks are not so strict about overdue records and may adopt more relaxed approval policies for applicants.
Secondly, although overdue records will have a certain impact on credit card applications, it is not the only determining factor. Other factors, such as current income level, job stability and other aspects of your credit report, will also be taken into consideration. If you perform well in other aspects, the applicant still has a chance to successfully apply for a credit card.
To sum up, it is not completely impossible to apply for a credit card if you have been overdue in the past two years. While banks may have certain review criteria for applicants with a past due history, there is still a chance of approval based on other factors. The final result still depends on the specific bank's policies and a comprehensive assessment of the individual applicant.
Extended information:
Banks usually assess the credit status of credit card applicants by looking at personal credit reports. A credit report contains a person's credit history, including past due status, repayment records, and other credit-related information. Banks will use this information to determine a person's repayment ability and credit risk. Therefore, having an overdue record may have a certain impact on your credit card application. However, it should be noted that different banks have different tolerances for overdue records, so the specific possibilities for applying for a card are still different.
Please note that the above answers are for reference only, and the specific card application results may vary depending on different banks and personal circumstances. The most accurate answer requires consulting the specific bank or obtaining information through other formal channels.