This depends on the specific circumstances of your overdue period. If your credit card has been overdue in the past, but the circumstances are not very serious (for example, it is only overdue occasionally and for a short period of time), you can still apply for a credit card.

If you are seriously overdue, you cannot apply for a credit card. Generally, if a credit card is overdue for 3 consecutive periods and accumulates 6 periods, your credit record will be very serious.

Bad credit records will be kept in the central bank’s credit reporting system for 5 years and will be recorded continuously for 2 years. It will be difficult to successfully apply for a credit card within 5 years. When using a credit card, be sure to spend reasonably and repay on time to avoid overdue payments having a negative impact on your credit record.