You can apply for a bank card even if the credit card is overdue. However, an overdue credit card may have some impact on applying for a bank card.

First of all, overdue credit cards will have a negative impact on an individual's credit record. Personal credit record is an important basis for banks and other financial institutions to evaluate personal credit status. Overdue credit cards will be recorded on one's credit report and may lower one's credit score. Therefore, when applying for a bank card, the bank may review the overdue record and may consider the impact of the overdue record on the individual's credit status.

Secondly, overdue credit cards may lead to debt problems. If the overdue credit card debt is large and the bank determines that the individual is unable to repay it, it may affect the bank's decision on the individual's application for a bank card. Banks will assess an individual's repayment ability and debt situation, and may consider the risk to the individual due to overdue payments.

To sum up, although an overdue credit card will not directly lead to the inability to apply for a bank card, when applying for a bank card, the bank will comprehensively consider the individual's credit record and debt status. Overdue credit cards can have an impact on an individual's credit score and debt problems.

Extended information:

Personal credit records are managed by the Credit Reference Center of the People's Bank of China. An individual's credit record includes various credit information, such as loans, credit cards, overdue records, etc. When a bank applies for a personal bank card, it will evaluate the individual's credit status by checking the personal credit record and decide whether to approve the application.

When applying for a bank card, in addition to personal credit record, the bank will also consider the individual's income, job stability and other factors to evaluate the individual's repayment ability and application qualifications.

For individuals with overdue credit card records, it is recommended to pay off the overdue balance as soon as possible and communicate with the bank to explain the situation and provide a reasonable repayment plan. At the same time, develop good repayment habits and make timely repayments to avoid overdue payments.

Please note that the above information is for reference only. The specific situation may vary depending on bank policies and personal credit status. It is recommended that applicants consult relevant banks or financial institutions to obtain accurate information before applying for a bank card. .