Yes, although a credit card that is overdue for more than 90 days will have a certain negative impact on your personal credit record, it is still possible to get a loan as long as it has been paid off in full. Specifically, the following are detailed instructions:

The first point is the approval standards of the lending institution. Lenders will make loan decisions based on factors such as the applicant's credit record, income status, and lending history. Although an overdue credit card may have an impact on an applicant's credit rating, if the overdue bill has been paid in full, it demonstrates the applicant's ability to meet the debt, which can have a positive impact on loan approval.

The second point is a comprehensive assessment of personal credit history. During the credit approval process, banks or other lending institutions comprehensively consider the applicant's past lending behavior and various indicators in the credit report to assess credit risk. Paying off overdue credit card bills in full shows that the applicant has the ability to perform and a good willingness to repay. These positive factors can help increase the success rate of applying for a loan.

The third point is the evaluation of comprehensive capabilities. In addition to paying attention to credit records, lending institutions will also comprehensively consider factors such as the income status, debt burden, and asset status of the loan applicant. If the applicant's comprehensive repayment ability is good and stable, and he has a certain loan amount and repayment ability, the lending institution may approve the loan.

To sum up, although a credit card that is overdue for more than 90 days will affect personal credit, it is still possible to get a loan as long as it is paid off in full. Lenders will consider multiple factors to assess an applicant's credit risk and repayment ability. Full repayment will help improve your credit rating and the likelihood of approval.

Additional information: If a credit card is overdue for more than 90 days and incurs overdue fees, late payment fees or other penalties, these fees may further affect the individual's credit record and the approval results of the loan application. . Therefore, paying off overdue bills in a timely manner is an important step to maintain good personal credit.

At the same time, different lending institutions have different tolerances and approval standards for overdue records. When choosing a lending institution, it is recommended to consult multiple banks or other lending institutions to understand the specific approval requirements and policies to increase the success rate of your loan application.

In summary, although being overdue can have a negative impact on credit, it is still possible for individuals to get a loan as long as it is paid off in full. Factors such as the applicant's repayment ability, credit history and comprehensive evaluation are the main considerations that affect the loan approval results. Please try to maintain a good credit record, plan your borrowing needs reasonably, and avoid overdue situations.