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I have an overdue credit card record. Can I still apply for a credit card?

Yes, you can still apply for a credit card again even if your credit card is overdue. However, there are a few things to note:

1. Credit card applications may be affected: Credit card companies typically look at your credit history when evaluating your credit application. Past dues can affect your credit score, lowering your chances of getting a new credit card.

2. High interest rates and low limits: If your credit score is affected by overdue records, credit card companies may take some restrictive measures on your application. This may include granting a higher interest rate or a lower credit limit.

3. Improve your credit status: You can increase your chances of applying for a credit card again by actively improving your credit status. Paying off overdue amounts on time, sticking to a repayment plan, and establishing a good credit history will help improve your credit score.

To sum up, even if you have an overdue credit card record, you still have the opportunity to apply for a credit card again. However, having a past due date can have a negative impact on your credit score and could result in a credit card with a higher interest rate or a lower limit. By proactively improving your credit profile, you can improve your chances of being successful again if you apply again.

Extended information:

Overdue credit card records may be a negative factor that affects your chances of getting a new credit card. In China, the credit reporting system is one of the important basis for banks and financial institutions to evaluate personal credit status. Overdue credit cards are considered bad credit behavior and may have a long-term impact on your credit record. It is recommended to pay off overdue amounts in a timely manner, adhere to the repayment plan, and maintain a good credit record to increase the success rate of applying for a credit card again.