Yes, you can apply for a credit card again after one year.

First of all, according to the problem description, the credit card was overdue and blacklisted a year ago, but it has been repaid in full in one go. This means that the overdue issue has been resolved and there are no outstanding payments.

Secondly, when applying for a credit card again after a year, banks usually consider a variety of factors, not just the past overdue situation. Here are some factors that may affect a credit card application:

1. Credit history: After a year, past due records will remain on your credit report, but over time, they will have a negative impact on your credit score. will gradually decrease. If you have a good credit record within one year after the overdue payment, such as on-time repayments, stable income, etc., this will help increase the success rate of your credit card application.

2. Income status: Banks usually require applicants to provide proof of income. If in the application one year later, the applicant has a stable source of income and the income can meet the bank's application requirements, this will help the success of the credit card application.

3. Other factors: When applying for a credit card, the bank will also consider the applicant's other debt status, debt ratio, job stability and other factors. If the applicant can maintain good debt management and stable employment status after overdue, the success rate of credit card application will also be improved.

To sum up, although the credit card was blacklisted a year ago because it was overdue, you can apply for a credit card again after one year. However, the success of your application will depend on a variety of factors, including credit history, income status and other comprehensive factors. If you can maintain good credit performance after overdue and meet the bank's requirements for credit card applications, you have a greater chance of successfully applying for a credit card.

Extended information:

Late repayment will have a negative impact on personal credit records, and credit records have an important impact on personal credit activities in the financial field. When banks approve credit card applications, they will assess the applicant's credit status by looking at their personal credit report. If there are past dues, the applicant's credit score may be lower, making it more difficult to apply for a credit card.

However, over time, the impact of past due records on your credit score decreases. If an applicant can maintain good credit performance after being overdue, the credit score will gradually improve. Therefore, the opportunity to apply for a credit card again after one year exists, as long as the applicant can meet the bank's application requirements and have a good credit record and stable income.