It is reported that it will be difficult to apply for a credit card if it is overdue for many times. Generally, after applying for a credit card from a bank, the bank will review it. When auditing, you can check the personal information of the applicant, including credit records, in the banking system. If the user has a bad personal credit record, the bank will directly refuse to apply for a credit card on this ground.
Special reminder, if the credit card has just expired recently, or the expected amount involved is relatively large (even blacklisted by the bank), it will be very difficult and almost impossible to apply for another credit card.
When applying for overdue credit cards, please provide personal information as much as possible. If you are a group with stable income and work, such as civil servants and doctors, or have property such as real estate and cars, it is beneficial to successfully apply for a credit card again.
The credit card is overdue, but you can still apply for a credit card if it is not serious (occasionally overdue for a short time).
Credit cards are generally overdue for three consecutive periods and have accumulated six credit records, which is very serious and it is difficult to apply for a credit card again.
Bad credit records will be kept in the central bank's credit information system for 5 years, and it is difficult to apply for a successful credit card within 5 years. Reminder: Once you have credit card arrears, you must have a reasonable repayment plan to avoid the adverse effects on your credit history due to overdue.
Basic flow of credit card processing:
1. After entering the application page, select the application area, and the system will list the credit card types that can be applied for in this area. Click Apply Now to enter the information filling page.
2. Be sure to fill in the true and valid application materials when applying, and the bank will make a distinction.
3. After completing the form and submitting it, the system will automatically conduct preliminary examination and then submit it to the local branch for further review.
4. The online application and the actual written application are basically the same. Must be 18 years old or above, with stable work and repayment ability.
I hope my answer can help you. I suggest you consult the bank staff.