No, usually if you have a bad credit record, you will not be able to get a loan or apply for a credit card.

The consequences of an overdue credit card are:

1. The bank credit card bank center will charge late payment fees and interest:

1. The late payment fee is based on the unpaid portion of the minimum repayment amount. Calculated at RMB 5, the minimum charge is RMB 10 or 1 US dollar

2. At the same time, the bank will also charge an interest of 50,000 per day on the entire bill.

2. Impact on credit:

1. Overdue within one month is considered overdue. As long as it is overdue, even once, it will be more difficult to increase the credit limit;

2. If you are overdue three times in a row or six times in total, you will have a bad credit record, and it will be difficult to get a loan or apply for a credit card in the future;

3. If you are overdue for a certain amount and time, the bank will freeze the credit card.