Legal analysis: If the credit card is overdue, the user can apply for a savings card, because there are no credit requirements for applying for a savings card. Regardless of whether the user's credit is good or not, the user can apply for a savings card. Of course, after applying for a debit card, the user also wants to apply for credit business. At this time, the user will not be able to successfully handle such business. Overdue credit cards will cause users to have bad credit reports, and users with poor credit reports will be unable to apply for credit services. After a credit card is overdue, it is best for users to pay off the overdue balance as soon as possible, so as not to affect subsequent processing of other credit services.

Legal basis: Article 2 of the "Regulations of the Supreme People's Court on Several Issues Concerning the Trial of Bank Card Civil Dispute Cases" When entering into a bank card contract with the cardholder, the card issuer shall charge interest, compound interest, fees, If the standard clauses such as liquidated damages fail to fulfill the obligation to present or explain, resulting in the cardholder not paying attention to or understanding the clause, and the cardholder claims that the clause does not become the content of the contract and is not binding on him, the People's Court shall support it.

The card issuer requires the cardholder to pay overdraft interest, compound interest, liquidated damages, etc. in accordance with the credit card contract, or to pay installment fees, interest, liquidated damages, etc., and the cardholder shall pay the total amount claimed by the card issuer. If a request is made for an appropriate reduction on the grounds that the amount is too high, the people's court shall comprehensively consider the relevant national financial regulatory provisions, the amount and period of outstanding repayment, the degree of fault of the parties, the actual losses of the card issuer and other factors, and make a measurement based on the principles of fairness and good faith. and make a ruling.