Hello, this card friend, one of the most important conditions for applying for a credit card is that you must not have a bad credit record. If you have a bad credit record before, and you need to apply for a credit card again, the bank will 100% Ninety percent will not pass. When the bank reviews the materials you submit and sees that you have a bad credit record, it will definitely not apply for a credit card for you. , because you have had an overdue mortgage before, so this will have a great impact on your credit record, and it will also be very detrimental to your review and evaluation, so your efficiency in applying for a credit card is not very high, not to mention A credit limit of 100,000 yuan.