1. You can also apply for a credit card with overdue records, but it depends on the overdue degree of the credit card.

2. If the cardholder has an overdue record at present, and has not paid off the arrears, the overdue time is more than three months or the accumulated overdue times are more than six times, then it is even more difficult to apply for a credit card.

3. If the cardholder pays off the credit card debt within two years and maintains a good repayment habit, the overdue record before two years will not have a negative impact on the credit card application.

However, whether the credit card can be successfully applied depends on the risk control standards of various banks and whether the applicant's qualifications can pass comprehensive consideration. Cardholders should note that they can also try to apply for suspension of interest at the beginning of negotiation. If the application is successful, at least there will be no new interest on the subsequent arrears, which can also reduce the repayment pressure of cardholders.

If the credit card is overdue again after the cardholder negotiates with the bank for installment repayment, he must pay off the arrears in time, and then repay the arrears in full and on time in strict accordance with the repayment plan negotiated with the bank, and ensure that the overdue situation will not happen again. If it is only overdue once, and it is returned soon, which is caused by force majeure, then the cardholder is likely to have the opportunity to explain the actual situation to the bank. However, if it is overdue again in the future, or the cardholder fails to pay it back for a long time, the bank will not negotiate with the cardholder again, and will terminate the previous agreement and ask the cardholder to pay it off in one lump sum.

Legal basis:

Measures for the supervision and administration of credit cards of commercial banks

Article 70

Under special circumstances, if it is confirmed that the amount owed by the credit card exceeds the repayment ability of the cardholder, and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing to reach a personalized installment repayment agreement, and the longest term of the personalized installment repayment agreement shall not exceed 5 years.

The contents of personalized installment repayment agreement shall at least include:

(a) the balance, structure and currency of the arrears;

(2) the repayment period, method, currency, date and repayment amount of each installment;

(three) whether to charge annual fees, interest and other fees during the repayment period;

(4) The cardholder shall not apply for a credit card from any bank before all the funds related to the personalized installment repayment agreement are settled;

(five) the rights and obligations of both parties and the liability for breach of contract;

(6) Other matters related to repayment.

If both parties reach an agreement and sign an installment repayment agreement, the card-issuing bank and its card-issuing service institution shall stop the collection of the cardholder, except that the cardholder fails to perform the installment repayment agreement. If an oral repayment agreement is reached, the issuing bank must keep the recorded data. Records shall be kept at least until the date of settlement of arrears.