According to the information you provided, your credit card was overdue two years ago, but it has been paid off and closed. Now you want to buy a car and want to get a loan. Based on your personal credit report, we can draw the following conclusions:

1. Impact on credit record: Overdue repayment will have a certain negative impact on personal credit record, especially recent overdue records. This may affect the approval of your loan application.

2. The importance of credit report: Lending institutions usually evaluate an applicant's credit status and repayment ability by looking at an individual's credit report. Therefore, the content of the credit report is very important to the loan approval result.

3. Repayment status in the past two years: You mentioned that the overdue records from two years ago have been paid off and the account has been closed. This shows that you have the awareness to repay your debt and have taken positive actions to repair it. This plays a positive role in loan approval.

To sum up, although you had an overdue record two years ago, if your credit report shows that your repayment record is good and there are no new overdue cases in the past two years, then you have a certain degree of credit. Opportunity to be able to obtain a loan to purchase a vehicle. However, whether you can get a loan ultimately depends on the specific approval standards of the bank or financial institution.

Extended information:

A credit report is a report that records personal credit status and loan information, including basic personal information, credit card repayment records, and loan repayment records. , overdue records, amount owed, etc. Lenders often consider an applicant's credit report when approving a loan to assess their repayment ability and creditworthiness.

It is recommended that you check your personal credit report before applying for a loan. If you find that there are incorrect records or overdue records that have not been updated in a timely manner, you should contact the credit reporting agency for correction and update. In addition, maintaining a good repayment record and avoiding overdue payments are important ways to maintain personal credit.

Finally, if you want to improve the success rate of your loan application, in addition to your credit status, you also need to consider other factors, such as the amount of the loan applied for, the loan term, personal income stability, etc.