The first point: clean up the credit record. Can actively repay overdue funds on time to ensure a good credit record. Check the personal credit report regularly to confirm that the credit record has been updated and that the overdue record has been cleared.

The second point: choose a specific bank. Some banks are relatively tolerant of overdue records and are more willing to give credit card applicants a chance. So you can choose to cooperate with these banks to improve your chances of successfully obtaining credit cards.

The third point: increase stable income. Banks will consider the applicant's income when reviewing credit card applications. It will be more advantageous to apply for a credit card if you can increase a stable source of income, such as through part-time work or increasing fixed-income investment.

Summary: To apply for a regular bank credit card, you need to clean up your credit record to ensure a good credit. Secondly, choose the right bank cooperation. In addition, increasing stable income also helps to improve the chances of successfully obtaining a credit card.

Extended data:

Before applying for a credit card, you can also know the specific requirements and conditions of the bank in advance, so as to better prepare the application materials. In addition, you can consider applying for some debit cards or savings cards attached to banks, and gradually restore credit through active use and repayment, laying a good foundation for applying for credit cards in the future.

I hope the above information will help you! If you have more questions, please feel free to ask them.