If your bad credit record was left two years or more ago, as long as you use your credit card reasonably in the later period and repay it on time, it is still possible to pass the application now, because the bank only inquires about the applicant's personal credit record and only inquires about the repayment situation in the last 24 months.
Blacklist data is kept in the personal credit information system of the central bank for five years, and negative information such as particularly serious and obviously malicious bankruptcy is kept for ten years. If the retention period exceeds, the negative record will be deleted in the personal credit report. If you want to get rid of it, you have to wait five years. After the five-year retrospective period, the bank will automatically cancel the blacklist. However, please note that if your original behavior is too bad, the bank can ask for further traceability (provide relevant certificates, such as repeated door-to-door failures, malicious fraud, etc.), which means it will last for five years or even permanently.
Tips:
1. If the card is not cancelled, the overdue record will not disappear;
2. After overdue, you should immediately return the arrears and continue to use the credit card to cover the overdue records.
According to your situation, if you are not in a hurry, get rid of the previous bad records in the near future and apply for a credit card when the time is ripe.