It will not affect your ability to apply for a credit card in the future, because you only have one overdue credit card. Generally, a customer will be considered to have a bad credit record if he or she is overdue for 3 consecutive times or 6 times in total. A single payment will not leave "a mark for life". If your overdue record is more than 24 months old, it will not have much impact.

Once there is a record of overdue repayment of a credit card, cardholders should not rush to cancel the card. They should insist on paying off the principal and interest owed, and then continue to use the card normally for 24 months. In this case, your card will The bad records will be eliminated.

1. Your overdue credit record will be retained by the central bank for 5 years.

2. When the bank inquires about your credit situation, it will only examine your repayment status in the past 24 months.

I hope my answer can help you.