1. Impact of credit record: overdue repayment will have a negative impact on personal credit record, which may lead to a decline in credit rating. This may affect the approval results of credit card applications.

2. Repayment history: Banks will pay attention to past repayment performance. Even if the previous debts are paid off within the time limit, they may still be regarded as bad customers, thus affecting the credit card application results.

3. Banking policy: Different banks have different credit card application policies. Some banks may be strict about overdue repayment records, while others are more relaxed.

Summary: Although there is a record of overdue repayment, you can still apply for a new credit card if it meets the bank's credit requirements and policy restrictions.