If you can't do it, even if you pay it off, you have to wait another five years before you can apply. The latest "Regulations on the Administration of Credit Information Industry" stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it. After you apply, the bank will refuse to issue you another card because you are overdue for too long. So be sure to pay off the debt as soon as possible.