You can't apply for a credit card again, depending on the severity of overdue repayment. If the repayment is seriously overdue, it will produce a bad credit record. You can't apply for credit cards and loans within five years, but you can apply for loans and credit cards after five years. If the repayment is overdue, you can still apply for a credit card if you can provide better proof of income and property at ordinary times.

Credit stain: also known as bad credit record. It belongs to the restricted category of personal credit records. After a bank customer applies for a loan, due to some reasons, the repayment is overdue, that is, credit stain. Different banks have different approval standards for personal credit records. With the change of time, consumers' economic situation and repayment situation will also change, and banks will not always pay attention to consumers' early bad credit records.

I hope my answer can help you.