You can apply for a credit card if you are overdue, but it is not easy.

The cardholder’s credit card is overdue for a short time and the overdue amount is not large. The overdue record is not reported to the central bank’s credit reporting system, so it will have little impact on applying for a credit card again. If the credit report has left a bad record, then the chance of successfully applying for a credit card is very small. Legal basis: Article 177-1 of the "Criminal Law": The crime of obstructing credit card management falls under any of the following circumstances. Anyone who obstructs credit card management shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and concurrently or solely to a fine of not less than 10,000 yuan. A fine of not more than 10,000 yuan; if the amount is huge or there are other serious circumstances, the offender shall be sentenced to fixed-term imprisonment of not less than three years but not more than 10 years, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan.