According to your description, you will not be able to apply for a credit card within two years. Although you have paid off all your debts, your credit card has been overdue for a long time, which has formed a bad credit record. After paying off the debt, the card will be cancelled immediately, so the bad credit record will remain in your personal credit report. China's personal credit report should be kept for five years, and then he can try to apply for it. He also needs to provide as many financial certificates as possible.