If you are in loans overdue, you can't apply for a credit card. Loans overdue is an act of dishonesty, which is recorded. You cannot apply for a credit card. Credit card is a credit certificate issued by commercial banks or credit card companies to qualified consumers. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits. Credit cards are generally plastic cards with a special carrier, with a length of 85.60 mm, a width of 53.98 mm and a thickness of1mm. The name of the card issuer, the expiration date, the number and the name of the cardholder are printed on the front, and the chip, magnetic stripe and signature strip are printed on the back.