First of all, banks will consider many factors when examining credit card applications, including the applicant's credit history, income, job stability and so on. Although the overdue records show that the applicant failed to repay the loan on time before, if other conditions are met, such as a stable source of income and a good work record, the applicant still has a chance to pass the examination.

Secondly, the influence of overdue records on credit card audit will be different. If there are few overdue records for a long time and there are no serious problems such as malicious theft, the impact on credit card application may not be great. In addition, the applicant can take the initiative to pay off the arrears, improve the overdue credit record, and also help to reduce the adverse impact of overdue records on the audit.

In short, although overdue records have a certain negative impact on credit card review, it does not mean that applicants will be rejected. The auditing organization will comprehensively consider many factors, not just overdue records, so the applicant still has a chance to pass the audit.

Extended data:

Overdue record refers to the record that the credit card holder fails to repay the loan on time. These records will be reported by credit reporting agencies, which will have a negative impact on personal credit scores and credit records. The length and frequency of overdue records and the amount of overdue records will affect the credit score. When applying for a credit card, the bank will conduct a credit review to assess the repayment ability and credit status of the applicant. Overdue records are one of the important reference factors in auditing.

When dealing with overdue records, applicants can take some measures to improve their credit status. First of all, we must strive to repay the loan on time to avoid the overdue situation again. Secondly, you can negotiate with the bank to make a repayment plan and gradually pay off overdue debts. At the same time, it is also important to establish a good credit record, which can be established by using credit cards regularly and repaying loans on time.

Finally, the result of credit card audit is not entirely determined by overdue records, but also influenced by other factors. The applicant's income, job stability, assets and liabilities are all factors to be considered in the audit. Therefore, although overdue records will have a certain impact on credit card applications, it is not the only decisive factor.

The above answers are based on the general situation of credit card audit. The specific results may vary according to individual circumstances and bank policies. Please consult specific banks or financial institutions when applying.