You can apply for a loan. Although the credit card has been overdue 7 times, each overdue period does not exceed 60 days, which means that the negative impact on the credit record is relatively small.

Details:

1. Number of overdue credit cards: 7 overdue credit cards indicate that there is a certain delay in repayment.

2. The number of overdue days does not exceed 60 days: each overdue period does not exceed 60 days, which means that the delay in repayment is relatively short, and the impact on the credit record is limited.

3. Loan application: Although being overdue will have a certain negative impact on your credit score, as long as other credit indicators are good, such as stable income and no other serious bad credit records, it is still possible to successfully apply for a loan. .

Summary:

Credit card records that are overdue 7 times and each time does not exceed 60 days have a relatively small impact on loan applications. However, loan applications still need to consider other factors, such as personal income, credit history, and loan amount.

Extended information:

Credit record is one of the important basis for financial institutions to evaluate personal credit status. Overdue behavior can have a negative impact on your credit score, lowering your credit rating. However, when the number of overdue items and the number of overdue days is small, the impact on the credit score is relatively small.