As long as your overdue situation is not particularly serious, you can still successfully apply for a credit card, but the review is a little more difficult.

It is recommended that you wait for the bad credit card records to be eliminated before applying, and eliminate the negative records and their impact according to the credit record refresh coverage system, because the credit card records basically only show the last 24 months. Records, past records are difficult to check, so when there is a negative credit card record, do not cancel the card, even if the bank pursues you or even urges you to cancel the card, ignore it. As long as you repay the loan on time in the next two years and no new bad records appear, the original negative credit record will be overwritten and a good credit record will be re-formed, so that there will be no negative impact on the card application. affected.

If your overdue situation is not particularly serious and you explain the situation to the bank, you can still apply. You can call the bank’s customer service number for consultation. I wish you success in applying for a card.