Canceling a bank credit card after paying off all of it after being overdue for six months will have a certain impact on your personal credit record and loan application.

First of all, after the bank cancels the card, your credit card account will be canceled and you will no longer be able to use the credit card for consumption and withdrawals. This avoids continuing to incur late fees and signals that you have paid off past debts.

Secondly, the bank may report your overdue records to the People's Bank of China personal credit information basic database. This means that your past due behavior may leave a record on your personal credit report and negatively affect your future credit evaluation. When reviewing your loan application, lending institutions may refer to your credit report to evaluate your repayment ability and credit status.

In addition, even if all overdue balances are paid off after canceling the card, the bank may have reservations about your credit limit and application for a new credit card for a period of time. This is because banks will be wary of past delinquencies and will take some time to reassess your credit profile. Therefore, for a period of time, you may face certain credit limit limits or be unable to successfully apply for a new credit card.

To sum up, canceling a bank credit card after paying off all of it after being overdue for six months will have a certain impact on personal credit history and loan applications. Your delinquency may leave a mark on your credit report and affect future credit evaluations. Additionally, banks may have reservations about your credit limit and new credit card applications. Therefore, it is important to pay off overdue amounts promptly in order to maintain and restore your personal credit profile.

Extended information:

According to China's current laws and regulations, banks can choose appropriate methods to repay debts based on the borrower's repayment situation. For credit card overdue situations, banks can resolve the problem through consensus with the borrower, such as extending the repayment period, adjusting the repayment limit, etc. If the overdue situation is serious, the bank can also take legal measures to recover the debt. Of course, if the borrower has not paid off the debt for more than six months overdue, the bank also has the right to choose to cancel the card.

Please note that in actual situations, different banks may have different card cancellation policies and credit evaluation standards. The above answers only provide general information. The specific impact and consequences need to be determined based on the specific contractual agreement between you and the bank. Therefore, when facing an overdue situation, it is recommended that you communicate with the bank in a timely manner and seek advice from relevant professionals.