If you have outstanding balances, your application for a credit card from another bank will not be approved.

Nowadays, bank credit is online, and you can see whether it is overdue.

It is recommended that you repay Shanghai Pudong Development Bank first, and wait until your credit score is restored to its original level before applying. If you are overdue, your credit will be deducted, and if it is serious, you will be blacklisted by the bank.