Being overdue once will have an impact on applying for a credit card. Specifically, the impact is on credit assessment and the granting of credit lines during the credit card application and approval process.

First of all, during the credit card application process, the bank or financial institution will evaluate the applicant's personal credit profile. Being overdue once will leave a record in the personal credit report, which will directly affect the applicant's credit evaluation results. Banks may consider overdue behavior to represent an irresponsible attitude on the part of the applicant towards repaying the debt, and therefore may be more cautious in approving credit card applications, and may even reject the applicant's application.

Secondly, being overdue once will also have an impact on the credit limit of your credit card. When banks grant credit cards, they will determine the credit limit based on the applicant's credit status. Overdue records will lower the applicant's credit rating in the eyes of the bank, which may result in a reduction in the credit limit. This means applicants may receive a lower credit limit, limiting their flexibility in using their credit cards.

To sum up, being overdue once will have a negative impact on applying for a credit card. Applicants may face approval difficulties or receive lower credit limits. Therefore, it is recommended that you manage your debts reasonably and repay your debts on time to maintain a good personal credit record, thereby increasing your chances of success in applying for a credit card and your credit limit.

Extended information: The construction of credit system is becoming more and more important. Personal credit record is one of the important basis for financial institutions to evaluate personal credit status. Therefore, when applying for a credit card, loan or other financial services, whether your personal credit record is good or not will have an impact on the application results. At the same time, late repayment will not only affect credit card applications, but may also affect applications for other financial products and services, such as personal loans, housing loans, etc. Therefore, it is very important to maintain a good credit record, which can improve the success rate of individuals applying for financial services and obtain more favorable conditions.