The following is a detailed explanation of the conclusion:
1. Credit history: Even if there are many overdue records, it does not mean that you cannot apply for a credit card. Banks usually evaluate your credit application according to the overall credit status, and pay more attention to the recent repayment performance.
2. Overdue times in the last two years: Although you have recorded 65,438+04 overdue credit cards in the last two years, as long as all the credit card arrears have been paid off, this shows that you are moving towards better repayment performance. This can add some positive factors to your application.
3. Banking policy: Different banks have different approval criteria for credit card applications. This may include considering the tolerance of overdue records and repayment history. Therefore, we need to communicate with specific banks to understand their policies and requirements.
Summary:
Although you have many overdue records, you can still apply for a business card or a credit card as long as the debts on your current credit card have been paid off. The specific results depend on the bank's policies and requirements. It is recommended that you consult the relevant banks for more accurate information.
Extended data:
In the process of credit card application, banks usually consider many factors, including but not limited to overdue records, repayment history, income and so on. Although the overdue record of credit card will have a negative impact on the credit score, as long as you can actively improve the repayment performance and provide reliable proof materials such as income proof when applying, you still have the opportunity to get credit card approval.