You can try to apply. The "Credit Reporting Industry Management Regulations" stipulate that the credit reporting agency's retention period for personal bad information is 5 years from the date of termination of the bad behavior or event; if it exceeds 5 years, it shall be deleted. When you handle new business, relevant departments will generally give priority to recent consumption and repayment records.

If you are applying for a China Merchants Bank credit card, there is a local China Merchants Bank, and you are between 18 and 60 years old. If you can provide your ID card, work certificate and income certificate, you can try to apply. If you apply for a car card, you need to attach the driving license in your name. A copy of the credit card. If the local branch has clear regulations, the regulations of the local branch shall prevail. The issuance of the credit card shall be subject to the final review result.