It is reported that it will be difficult to apply for a credit card if it is overdue for many times. Generally, after applying for a credit card from a bank, the bank will review it. When auditing, you can check the personal information of the applicant, including credit records, in the banking system. If the user has a bad personal credit record, the bank will directly refuse to apply for a credit card on this ground.

Special reminder, if the credit card has just expired recently, or the expected amount involved is relatively large (even blacklisted by the bank), it will be very difficult and almost impossible to apply for another credit card.

When applying for overdue credit cards, please provide personal information as much as possible. If you are a group with stable income and work, such as civil servants and doctors, or have property such as real estate and cars, it is beneficial to successfully apply for a credit card again.

The credit card is overdue, but you can still apply for a credit card if it is not serious (occasionally overdue for a short time).

Credit cards are generally overdue for three consecutive periods and have accumulated six credit records, which is very serious and it is difficult to apply for a credit card again.

Bad credit records will be kept in the central bank's credit information system for 5 years, and it is difficult to apply for a successful credit card within 5 years. Reminder: Once you have credit card arrears, you must have a reasonable repayment plan to avoid adverse effects on your credit history due to overdue.

I suggest you ask the customer service staff of the bank, because each bank has different requirements.