Detailed description:

1. Although holding multiple credit cards and overdue for many times, there is no record of overdue for more than 90 days.

2. For loan applications, banks usually evaluate the borrower's credit status and repayment ability. In this case, the following points can be considered:

A) Multiple credit cards represent that the borrower has a strong history of credit activities, which can prove that he has a credit record;

B) Although the overdue period exists, it has not reached more than 90 days, indicating that the borrower has certain self-discipline in repayment;

C) If the borrower has a good credit record in other aspects, such as timely repayment of other loans and stable income, it may increase the chances of obtaining loans.

3. To sum up, as long as there is no overdue record of more than 90 days, you can still try to apply for a loan even if you have multiple credit cards and are overdue for many times.

4. Extended information:

In addition, the bank may also consider the borrower's debt burden, income stability, employment status and other factors to evaluate the loan application.