It depends on how overdue the credit card is. Generally, you can apply for a loan if you have accumulated about six or ten times. Check your bank credit report to see if you are married. If one spouse has bad credit, it will affect the loan. The spouse with better credit can be the borrower. If the other party's credit is very bad, you can find a guarantee company to help you find a way. If you are in Beijing, I can help you.