Whether you can apply for a credit card again after it expires is closely related to the overdue time, whether to return the card or not, and personal assets certificate.
1, overdue time
If the credit card is overdue for three consecutive times and accumulated for six times, it will leave a bad record in the credit report, which will affect personal credit reporting. So in this case, the possibility of getting a new card is basically zero.
2. Do you want to cancel the card?
If the credit card is cancelled after it is overdue, on the one hand, it may be recognized as "malicious overdraft" by the bank and directly enter the blacklist; On the other hand, at this time, the card was cancelled, and the last node of the credit record happened to be an overdue stain. The bank could not see the subsequent update, but the cancellation of the card was counterproductive, which highlighted the overdue. In this case, the possibility of re-issuing the card is basically zero.
3. Personal assets certificate
In the process of re-applying for a credit card, whether you can provide more personal assets certificates and guarantees will greatly increase the possibility of success in handling the card.
Of course, if you want to reapply for a credit card after the deadline, it is also related to the bank you choose. To apply for commercial banks other than the four major banks, these banks should generally be flexible in handling this situation and have a greater chance of passing.