1. How long it takes to get a credit card after the overdue records are settled mainly depends on the bank's regulations. For example, some banks require users to have no overdue credit information within two years, so it takes two years to apply for the bank's credit card after overdue settlement. Moreover, some banks only require good credit information within half a year, and they can apply for credit cards after half a year.

2. Even if it is ultra-short-term overdue, as long as it is paid off in time, it is possible to apply for a credit card immediately.

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