It is difficult to apply for a credit card with a bad record, but it is not absolutely impossible to apply. If the applicant's credit history has always been good, only occasional overdue will not affect the credit card processing. In addition, expired records are not immutable. The Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. In other words, the overdue records are only retained for five years after repayment, and the overdue records are eliminated after five years.

Therefore, we must pay attention to the repayment on time after the repayment is overdue, so as to eliminate the overdue records, otherwise the overdue records will be permanently retained.