Yes, you can still apply for a loan even if your credit card is overdue. The following is a detailed explanation of this issue:

1. Credit score impact: Overdue records will have a negative impact on your credit score, reducing your credit score when applying for a loan. A lower credit score may result in more stringent loan terms.

2. Loan Approval Considerations: In addition to credit score, loan approval also considers other factors of the borrower, such as income stability, employment history, and debt load. If these factors are good and the ability to repay can be demonstrated, it may still be possible to get a loan even with a past due history.

3. Timing and frequency of overdue records: The timing and frequency of overdue records can also affect loan approval. A delinquency from a long time ago may have less impact on the loan application, but if the delinquency is frequent and lasts for a long time, it may cause the loan to be rejected.

To sum up, even if your credit card is overdue, it is still possible to apply for a loan. Key factors are overall credit profile, repayment ability and other factors. If overdue records are infrequent and short-term, and you can provide proof of stable income and good borrowing terms, the chances of loan approval still exist.

Additional information: The impact of overdue records varies depending on the market and bank policies. Some banks may be more sensitive to overdue records and have higher credit requirements on applicants. It is recommended to understand and choose the right bank or financial institution before applying for a loan to maximize your chances of loan approval.

In addition, it is also very important to correct overdue records in a timely manner. Working hard to pay off overdue debt and establish a good repayment history can gradually repair your credit score and increase your likelihood of loan approval.