You can apply for another credit card, but you need to consider the following points:
1. Overdue time: When it is overdue for about 10 days, the impact on your credit record will be relatively small. If you are more past due, it may have a greater negative impact on your credit score.
2. Credit score: Credit score is one of the important basis for banks to approve credit card applications. Being late can lower your credit score, and a lower credit score may cause banks to hold back on a credit card application or extend a lower credit limit.
3. Income and debt situation: Banks usually consider the applicant's income and debt situation when evaluating their credit card application. If you have a stable income and relatively low debt, you'll have a better chance of getting a new credit card.
To sum up, even if there is a slight overdue record, it is still possible for you to apply for another credit card. However, be aware that it may be more difficult to obtain a credit card the longer you are overdue, have a lower credit score, or have an unsatisfactory income and debt situation.
Additional information:
- Paying off overdue amounts early can improve your credit history.
- In the coming time, it will be important to adhere to credit card repayment deadlines in order to maintain a good credit history.
- You can ask your bank about the specific requirements and conditions for applying for a new credit card.
Summary:
You can apply for another credit card if it is about 10 days overdue, but factors such as overdue time, credit score, income and liabilities will affect the approval results. Properly managing your credit card usage and repaying your credit cards on time will help maintain a good credit record.
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