Credit card applications generally check the overdue situation in the past two years. The bank's requirements for the lender's credit information are: it can't be overdue at present, it can't be overdue twice in half a year, it can't be overdue three times in a row in two years, and it can't be repaid on time for six times.

Solutions to bad records:

1. Bad records caused by personal reasons: an careless overdue record will not have much impact on you. You shouldn't leave a bad debt record. Pay attention to normal and good consumption habits in later life. A good credit record will cover up the previous bad record and eliminate the influence.

2. Bad records caused by the bank: If the account is overdue due to late arrival of the bank account or system upgrade, you can contact the bank to apply for modifying the record and issue a non-malicious overdue certificate. After 3 months, the credit record can be modified. You can contact the bank staff for the specific operation process. If the credit record is bad due to personal reasons, it cannot be modified.