1. Yes, even if the credit card is overdue for more than 90 days, you can still apply for a credit card.

2. Detailed description:

- Most banks will evaluate overdue records, but not all banks will refuse to apply for a credit card.

- Banks usually consider other factors of the applicant, such as income, employment status and credit history.

- If overdue records are serious or frequent, it may affect the approval of credit card applications and the setting of credit limits.

3. Summary:

Although the credit card is overdue for more than 90 days, it does not mean that it will no longer be possible to apply for a credit card. Banks will consider multiple factors when approving credit card applications, including past due records. Severe or frequent past dues may have a negative impact on your credit card application.

4.

Extended information:

In China, credit card applications usually require proof of personal identity, proof of income, bank statements and other materials. The bank will review these materials and refer to the individual's credit report to assess credit risk. Overdue records are an important indicator in your credit report, and longer overdue periods may be considered bad credit. However, each bank may have different policies when dealing with overdue records, so whether a specific application will be approved depends on the requirements of each bank.

In addition, even if the application is approved, the bank may limit the credit limit or require a guarantee. This is a measure taken by banks to reduce risks and ensure that cardholders can repay their loans on time.

Before applying for a credit card, it is recommended to understand your credit situation and try to improve your bad credit record. Paying off overdue amounts in a timely manner and ensuring that daily repayments are made on time can gradually restore personal credit and improve the success rate of applying for a credit card again.

(The above information is for reference only. The specific situation may vary depending on the region and bank policies. Please consult the relevant bank for accurate information.)