According to your situation, you can apply for a new credit card, but the probability and amount of application may be very low. First of all, you need to pay back all the overdue money, and then I suggest that you apply for a new card after it is overdue for half a year, so as to maintain good consumption habits and credit records during this half a year. Because the bank has regulations:

Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If you terminate with a card, the corresponding record will not scroll, but will be saved for a long time. Therefore, after the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but to insist on using the card for more than two years, during which time, to maintain a good credit, so that the bad records can be cleared from the credit information system through rolling records. So I said that the landlord had better apply after half a year.

In addition, if you are usually negligent in repayment, you must repay as soon as possible, preferably in full, after you find that it is overdue. However, if the landlord is overdue for seven or eight times, your credit card record must be not very good. Therefore, if the landlord is not in a hurry, it is best to wait for a period of time before applying, and then explain the situation to the bank during this period to see if the overdue records can be erased.

The above is what I have learned. If the landlord wants to know about other banks, he can go to official website to check. I love cards. It's quite reliable I hope my answer can help you!