You can apply for a new credit card. Although the credit card is overdue for three years, there is proof of settlement.

The details are as follows:

1. Credit card overdue for three years: Three years overdue means that the borrower has failed to repay the balance on the credit card bill on time in the past three years. Late payments can have a negative impact on an individual’s credit history.

2. Have a settlement certificate: A settlement certificate is a certificate provided by a bank or financial institution that proves that the borrower has paid off the overdue credit card debt. A settlement certificate can be used as evidence when applying for a new credit card that the borrower has paid off past debts.

3. Apply for a new credit card: Although being overdue for three years will have a certain impact on a personal credit record, if the borrower can provide proof of settlement, the bank or financial institution will consider whether to approve a new credit card application. will be considered more leniently. Banks may consider the borrower's credit history, income and other factors to decide whether to approve the application.

4. Summary: It is still possible to apply for a new credit card if the credit card is overdue for three years and has a settlement certificate. However, please note that the specific application results will also be affected by other factors, so it is recommended to carefully consider your repayment ability and credit history before applying.

Extended information:

Overdue credit card repayments will have a negative impact on an individual's credit record and may lead to a decline in credit scores. Credit score is one of the important indicators for banks or financial institutions to evaluate a person's credit status. A lower credit score may affect an individual's rights and interests in applying for loans, renting houses, purchasing goods, etc. If you are overdue for a long time or have multiple overdue records, your credit record may be more seriously affected. Therefore, timely repayment of credit card debt is an important way to maintain personal credit. A settlement certificate is a document issued by a bank or financial institution that certifies that a borrower has completely paid off their credit card debt. Holding a settlement certificate can prove that the borrower has fulfilled its repayment obligations in a timely manner, rebuild the credit record, and improve the credit score.

It should be noted that different banks or financial institutions will use different standards when reviewing credit card applications. Therefore, even with proof of settlement, there is no guarantee of 100% approval of a credit card application. Some banks may be more cautious about overdue records and may require borrowers to provide more supporting materials. If you have a past due record before, it is recommended to improve your credit status before applying for a credit card, such as paying off debts in advance, ensuring on-time repayments, and communicating with the bank to understand the specific application requirements and policies.

In short, it is still possible to successfully apply for a new credit card if the credit card is overdue for three years and there is proof of settlement. However, you need to comprehensively consider your personal credit record and repayment ability before applying, and follow the bank's application requirements.