If the cardholder or lender has a credit stain in a bank, other banks can log in to the personal credit information system and enter the ID number of the loan applicant to find this information. No matter whether the cardholder or the lender is forgetful or malicious, no matter how much money is owed, as long as the repayment is overdue, the personal credit record will be stained, even if it is overdue. Whether loans overdue can apply for a credit card after paying it off depends on the overdue situation.

1. Generally speaking, the borrower is slightly overdue, but other qualifications meet the conditions stipulated by the bank, and the bank will approve his credit card application. However, if the overdue circumstances are serious, no matter how excellent other qualifications are, the bank will refuse. There is a simple reason. The borrower's good credit is the premise of lending money and approving credit card applications, because banks are worried that they will not be able to repay.

2. Generally speaking, if the personal credit record is overdue in the past two years, and it reaches three times in a row or six times in total, the borrower will usually be refused loans and approval.

3. The term "three consecutive overdue" means that the repayment period of a loan is 1 month, and the borrower fails to repay for three consecutive months. Accumulated six outstanding loans mean that after a loans overdue, the borrower repays the loan, and then repays the loan after it is overdue, so as to accumulate six times.