Under normal circumstances, after a personal credit card is overdue and has been paid off, it will take a certain amount of time to apply for a new card.

Specifically:

1. First of all, the time to re-apply for a card depends on the overdue record and the timeliness of repayment.

2. If there is only one overdue payment and it is paid off in time, you usually need to wait about 3-6 months before reapplying for a card.

3. If there are multiple overdue records, or the overdue time is long, the waiting time for re-applying for a card may be longer, about 6 months or even longer.

4. In addition, repayment history and credit score will also have an impact on re-applying for a card. If you can maintain good repayment habits and improve your credit score after being overdue, the time to reapply for a card may be relatively short.

To sum up, after a personal credit card is overdue and has been paid off, it usually takes several months to half a year to apply for a new card. The specific waiting time depends on factors such as overdue records, timeliness of repayment, and credit score.

Extended information:

The waiting time for re-applying for a card is not fixed, and different banks and credit card institutions may have different policies and standards. At the same time, personal credit status, income and application conditions will also have an impact on the time it takes to apply for a new card. Therefore, it is recommended to consult the relevant bank or credit card institution to obtain accurate information during specific operations.

Please note that late repayment will have a negative impact on your personal credit record, so overdue payments should be avoided as much as possible. Timely repayment is one of the important ways to maintain good credit, which helps maintain a good credit score and the convenience of applying for financial products such as credit cards.