You can go abroad if your credit card is overdue. An overdue credit card will not affect the application for a passport. Applying for a passport will not check the cardholder’s credit report with the central bank. Cardholders can go to the entry-exit hall of the police station to apply for a passport at any time. If the court decides to restrict exit from the country after being sued due to overdue or other reasons, the cardholder will only be unable to leave the country, but it will still not affect the application for a passport.

Overdue credit card refers to the situation where the cardholder fails to pay the consumed amount on time and in full within the final repayment period stipulated by the bank or fails to deposit the minimum repayment amount into the designated account. If it is overdue, it will affect your personal credit record. The bank will submit an overdue report to the credit reporting center, and the overdue records will be retained in the credit reporting system for 5 years. Bad credit reporting records can be eliminated only after 5 years.

If the credit card is overdue not because of your intention or negligence, but because of force majeure or the bank's fault, you can contact the bank directly and provide evidence, and then ask it to eliminate the overdue card. Just record it. If your credit card is overdue due to your fault, you can only wait until the credit reporting system automatically eliminates the overdue record.

Can I apply again after my credit card is overdue and has been canceled?

1. Yes. After the credit card expires and is canceled by the bank, the cardholder can apply for a new credit card. In fact, after the credit card account is closed, there is no need for an interval, and the user can apply for a new card immediately. However, since there is already a card application record before, and the user directly applies for a card without a period of time, he will not be able to enjoy the preferential treatment for new credit card users.

2. Of course, if the cardholder wants to apply for a credit card again, he first needs to meet the bank's basic conditions for card application. However, due to past due records, most banks will be much more cautious when approving. It is best for the cardholder's monthly income to reach more than 5,000 yuan, and there should be no other overdue records within one year.

3. After the expiration date, it is best for the cardholder to choose a bank that has nothing to do with the previous bank and apply for a commercial bank other than the four major banks. These banks will handle this situation very well. Generally, you have to be flexible and your chances of passing will be higher.

Legal basis:

Article 13 of the "Passport Law of the People's Republic of China" If the applicant has any of the following circumstances, the passport-issuing authority will not issue a passport:

(1) Those who do not have the nationality of the People’s Republic of China;

(2) Those who cannot prove their identity;

(3) During the application process Those who commit fraud;

(4) Those who have been sentenced to a sentence and are serving their sentences;

(5) Those who have been notified by the people that they have unfinished civil cases and cannot leave the country;

( 6) Becoming a defendant in a criminal case or a criminal suspect;

(7) The relevant competent authorities believe that leaving the country will cause harm to national security or cause significant losses to national interests.

Article 12 of the "Exit and Entry Administration Law of the People's Republic of China" Chinese citizens who are under any of the following circumstances are not allowed to leave the country:

(1) Failure to hold a valid passport Exit and entry documents or refuse or evade border inspection;

(2) Those who have been sentenced to a sentence that has not yet been completed or are defendants or criminal suspects in criminal cases;

(3) There are unresolved civil cases and the people decide not to leave the country;

(4) Being criminally punished for obstructing national (border) border management or being punished by other countries or regions for illegally leaving the country, illegal residence, or illegal employment Repatriation, before the expiry of the period prohibited from leaving the country;

(5) It may endanger national security and interests, and the relevant competent authorities decide not to allow the person to leave the country;

(6) Legal, administrative Other circumstances under which departure is prohibited according to regulations.