Credit cards can be applied for.
Details:
1. First of all, the Agricultural Bank of China credit card has an overdue record of no more than 90 days, but it has been paid off. Although the credit card has been frozen, it does not mean that you can no longer apply for a credit card.
2. Overdue records will have a certain negative impact on credit card applications, but the main consideration is the credit status at the time of application, not past overdue records. As long as your current credit status is good, such as holding other credit cards and repaying them on time, your personal income is stable, or you have other assets, it is still possible to successfully apply for a credit card.
3. As a bank, Agricultural Bank of China also hopes to provide customers with more financial services, so even if there is an overdue record in the past, it does not mean that it cannot apply for a credit card again.
Summary:
Even if your Agricultural Bank of China credit card was overdue two years ago, as long as your current credit status is good and your personal income is stable, you may still be able to successfully apply for a credit card. If the overdue records have been paid off and two years have passed, the Agricultural Bank of China will consider the overall situation of the applicant to decide whether to approve the application.
Extended information:
The core of credit card processing is to evaluate the applicant's credit status, including personal credit record, income, occupation and other assets. Overdue records will have an impact on credit evaluation, but they are not the only determining factor. Banks will consider a variety of factors to determine whether to approve a credit card application.
Note:
The above answers are based on general conditions and routine operations, and the specific results need to be determined based on the bank's actual policies and approval processes. Applicants are advised to consult the bank or submit an application to obtain accurate answers based on their specific circumstances.