You can apply for a credit card.

Details:

1. According to the information provided, there have been overdue records in only 4 months within 5 years, and these overdue records have not exceeded 90 days. This means that repayments can be made on time most of the time, with limited overdue situations.

2. There is no overdue record in the past two years. This is further evidence that the borrower has performed well on its repayments over the past two years without any overdue payments.

3. In summary, although the borrower has some overdue records, these overdue records account for a small proportion of the overall borrowing history, and there are no overdue records in the past two years. Therefore, consider applying for a credit card.

Extended information:

Credit card applications usually consider the borrower's credit history and repayment performance. Although an overdue record is not conducive to applying for a credit card, having an overdue record of only 4 months and no overdue cases exceeding 90 days may be considered within the acceptable range in the overall evaluation. At the same time, the absence of overdue records in the past two years also shows the borrower's improvement and stability in repayment, which has a positive impact on credit card applications.

Summary:

Based on the information provided, the borrower has relatively few and short-lived past due records, and has no past due records in the last two years. Therefore, consider applying for a credit card.