The possibility is very small. Banks usually consider an applicant's credit history, including repayment history, when approving a credit card application. When a person has four overdue repayment records, his or her credit record will be greatly negatively affected. Banks may consider this person's repayment ability to be unstable, which may have a negative impact on credit card applications.

Details:

1. Banks attach great importance to the credit history of credit card applicants. The bank will check the borrower's repayment record, including whether there is any late payment record.

2. Overdue repayment records will have a negative impact on an individual’s credit record. The more late repayments there are, the greater the negative impact on your credit history.

3. Banks will consider a variety of factors when approving credit card applications, including the applicant's income, employment status, etc., but credit record plays an important role.

4. Four overdue repayment records mean that the individual's repayment ability is unstable, which may cause the bank to have a negative evaluation of his credit card application.

5. Therefore, it is very unlikely to apply for a credit card after four overdue payments within a year.

Summary:

To sum up, it is very unlikely that you will apply for a credit card after four overdue repayments within a year. Banks attach great importance to personal credit records when approving credit card applications. Overdue repayment records will have a negative impact on credit records, which may affect the approval of credit card applications.

Extended information:

Late repayment records will have a long-term negative impact on an individual's credit record. Even after a credit card application is rejected, late payment records on an individual's credit record will still have an impact on future applications for financial products. Therefore, individuals are advised to think carefully before borrowing money and make sure to repay on time to maintain a good credit record.

In addition, before applying for a credit card, individuals can learn about their credit history by checking their personal credit report. There are many credit reporting agencies in China that provide personal credit report inquiry services. Personal credit reports can be inquired through the official websites of these agencies or offline processing points. Checking personal credit reports can help individuals understand their credit situation and make appropriate preparations before applying for a credit card. Remember to maintain good repayment habits and avoid late repayments to maintain your credit record.

Please note that the above content is for reference only, and specific situations may vary depending on personal credit history and bank policies. It is recommended that you consult your bank or relevant financial institution to obtain accurate information and advice before specifically applying for a credit card.