It depends on how long you are overdue. If you are overdue for 90 consecutive days, you will basically become a black account. You can still apply if the overdue degree is not serious. If it is serious, it will take time, and overdue records will be automatically overwritten after five years. It is necessary to analyze the specific situation. Each bank's policies are different, but they all have certain requirements for credit records. Or you can go to the People's Bank of China to get a credit report and indicate that the overdue payment was not malicious and explain the reason. Just take it to the bank.

Whether you can apply for a credit card again if you have an overdue record is closely related to the overdue time, whether the card has been canceled, and proof of personal assets.

1. Overdue time

Three consecutive late payments on a credit card and a total of six overdue payments will leave a bad record in the credit report and affect personal credit. Therefore, in this case, the possibility of applying for a new card is basically zero.

2. Whether to cancel the card

Canceling a credit card after it expires may, on the one hand, be deemed as a "malicious overdraft" by the bank and directly enter the blacklist; on the other hand, at this time, When a card is canceled, the last node of the credit record happens to be overdue. The bank cannot see the subsequent updates. The card cancellation is counterproductive and highlights the overdue status. In this case, the possibility of re-applying for a card is basically zero.

3. Proof of personal assets

In the process of re-applying for a credit card, can you provide more proof of personal assets and guarantee content? This will greatly increase the possibility of successful card application. .

Of course, if you want to reapply for a credit card after the expiration date, it has nothing to do with the bank you choose. Apply to commercial banks other than the four major banks. These banks are generally more flexible in handling this situation and have a higher chance of passing.