No. The conditions for applying for a business card require good personal credit, no overdue loan records or credit card overdue records. Huabei was overdue one year ago and went to the bank for credit reporting, so it is not possible. It is recommended not to make late repayments as it will affect your personal credit score. If you are really unable to repay in full on time, you can choose to apply for an installment repayment extension or a minimum repayment.