There is no requirement. As long as it is activated within the validity period of the card. If the card is not activated after expiration, the card will be invalid. After the card is activated, when the card is about to expire, the bank will mail a new card to the user with the user's consent. And if it is not activated after the expiration date, the bank will not mail a new card.

Can overdue users apply for bank cards?

Of course. If the bank does not check the personal credit information, it should repay the loan as soon as possible when the user is overdue, otherwise it will affect the bank's evaluation of the user and lead to the user's inability to handle credit business. Not only that, users maintain good business contacts with banks, which is beneficial for users to handle credit business.

For overdue debts, the overdue records will be kept in the credit information within 5 years after repayment, and will be automatically deleted after 5 years.