according to the data of hualv. com, users can't apply for a loan from a bank if the credit card is overdue, or if the overdue debt has been paid off but the overdue record has not been deleted.

according to article 7 of the measures for the supervision and administration of credit card business of commercial banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.