First of all, 9 days overdue doesn't mean that you will definitely be refused to apply for a credit card. Banks will comprehensively consider many factors when examining credit card applications, including the borrower's credit status, income, job stability and so on. Although overdue records will have a negative impact on credit evaluation, if the borrower performs well in other aspects, such as a stable source of income and a good credit history, the bank may still approve his credit card application.

Secondly, the premise of being able to apply for a credit card if it is overdue for more than 9 days is that the borrower has paid off all overdue payments and has a good credit record. The bank will check the borrower's credit report when examining the application, and may refuse the application if it finds any outstanding overdue records. Therefore, before considering applying for a credit card, the borrower should pay off the overdue money as soon as possible to repair the credit record and increase the chances of successful application.

to sum up, you can still apply for a credit card after it is overdue for more than 9 days, but the success of the application depends on many factors. In addition to overdue records, the borrower's credit status and income will also have an impact on the application results. If the borrower can have a stable income source, a good credit history and pay off the arrears as soon as possible after the deadline, it is still possible to successfully apply for a credit card.

Extended information: Credit card is a convenient and fast payment tool, which is widely used in daily life. Holding a credit card can enjoy convenient services such as installment payment, online payment and cross-border consumption. To apply for a credit card, you need to meet certain qualifications, such as being at least 18 years old and having a fixed income. Banks will strictly examine the borrower's credit status when reviewing applications to ensure the safe use of credit cards. Overdue repayment will have a negative impact on personal credit records, which may lead to a decline in credit rating, thus facing certain difficulties in applying for credit cards. Therefore, it is very important to pay off overdue payments in time and manage personal financial situation well for maintaining personal credit and applying for credit cards smoothly.