Yes. There is no need to check personal credit records when applying for a bank card, so overdue credit cards have no impact on applying for a bank card. As long as the user meets the conditions for applying for a bank card, the user can apply, so if you owe the bank a credit card, you can still apply for a bank card. Bank cards refer to credit payment instruments issued to the public by approved commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposits and withdrawals, etc.