Yes. If the credit card is overdue once, but the overdue record has been deleted from the credit report, the user can apply for another credit card. The overdue records are still retained in the credit report and have not been deleted. At this time, regardless of whether the overdue debt has been paid off, the user will not be able to apply for a credit card. Applying for a credit card requires that the user's credit report is good, overdue records have not been deleted, and the credit report is still in a bad state.