According to your description, even if your personal credit record has overdue records, it is still possible to apply for a credit card. The following is a detailed explanation of this issue:
1. Possibility: Having an overdue record on your personal credit report does not mean that you cannot apply for a credit card at all. The result of applying for a credit card is determined by the bank based on a comprehensive assessment of your credit situation, and overdue records are only one factor.
2. Other factors in credit evaluation:
a. Credit policy: Each bank has different tolerance for overdue records. For example, some banks may be more tolerant of overdue records, while some Banks are more strict.
b. Recent credit performance: Banks usually pay more attention to your recent credit performance, including recent repayment status, whether the overdue records in the credit report have been resolved, etc.
c. Credit history: Your credit history is also one of the factors that banks consider. If your previous credit record is good, the impact of overdue records on your card application may be relatively small.
3. Query credit big data with Yingxin Kuaicha: As a user, you can use Yingxin Kuaicha to query personal credit big data. It can help you understand your credit situation, credit score, overdue records on your credit report, etc. Through Eagle Heart Quick Check, you can understand your personal credit status in a timely manner and better manage your credit.
To sum up, having an overdue record in your personal credit report does not mean that you cannot apply for a credit card. Banks decide whether to approve a credit card application after considering a variety of factors. In order to better understand your credit status, we recommend that you use Eagle Heart Quick Check to check credit big data.
Extended information:
According to relevant laws and regulations in China, banks will refer to personal credit reports when applying for credit cards for individuals. Personal credit report is a record that reflects personal credit status, including personal loan records, overdue records, etc. Banks will comprehensively consider an individual's credit situation to accurately assess an individual's repayment ability and credit risk. Therefore, even if you have a past due record, it is still possible to get a credit card if your other credit performance is good. However, the credit approval standards of each bank may be different, so it is recommended that you learn more about it before applying for a credit card and consult the credit card department of the relevant bank.