1, online consumption has arrears. If the arrears are in your personal name, you can't apply for a credit card under normal circumstances.

2. The reason is that handling credit cards is closely related to personal credit investigation. If you have a record of arrears before, it will affect your personal credit information. If the credit is not good, the bank will reject your credit card application.

3. Solution: Pay back the previous arrears as soon as possible, and then go to the bank to apply for a credit card later.