You can apply. After paying off the debt, you can go to the bank counter or call the relevant customer service hotline to submit an unfreezing application to the bank. Generally, you need to submit relevant application documents and supporting materials, such as identity certificate, repayment certificate, credit rating certificate, etc. If a credit card is not processed or repaid for a long time after it is overdue, the bank may take more severe measures, such as being included in an industry blacklist, taking a credit report, and recovering the arrears through legal channels.