What you want to ask is how many years after the credit card is overdue, can you buy a mobile phone with zero down payment? There is no overdue. The conditions of zero down payment for mobile phone installment payment are: at least 18-55 years old, good credit information, and providing my ID card and bank card. Good credit information requires credit cards, loans, etc. There is no overdue or arrears. Therefore, if the credit card is not overdue, you can buy a mobile phone with zero down payment.