Credit cards can be applied for, but some restrictions may apply.

The details are as follows:

1. First of all, the specific requirements for applying for a credit card in China may vary from bank to bank. Therefore, without specifying the bank, a general assumption can be made.

2. Credit card applications usually review personal credit records. If there is a bad credit record for more than 90 days more than three years ago, this will have a certain impact on applying for a credit card.

3. First of all, banks will pay attention to the repayment ability and credit history of credit card applicants. A bad credit record may be considered a risk signal that the applicant may have repayment difficulties or have bad credit. Therefore, banks may subject such applications to additional scrutiny.

4. Secondly, other credit indicators of the applicant will also be considered. If in addition to a bad credit record, other credit indicators are good, such as having a stable job, a regular source of income, and a good repayment record, then the applicant's credit card application may be more likely to be approved.

In general, it is still possible to get a credit card even if you have a bad credit history. However, please note that specific results may vary depending on the applicant bank, personal circumstances, and other factors. It is recommended that you consult the relevant bank or financial institution to understand the specific credit card application requirements and procedures.

Extended information:

Credit record refers to an individual’s credit performance record in terms of borrowing, credit card use, repayment, etc. Banks and financial institutions will evaluate an individual's credit status through his or her credit history, decide whether to grant a loan or credit card limit, and set corresponding interest rates and conditions.

A good credit record is very important for individuals in various businesses in the financial field, especially loans and credit cards. If an individual has a bad credit history, it may affect applications and approvals for credit cards, loans, and other financial services.

Therefore, for those who want to apply for a credit card but have a bad credit record, it is recommended that while improving their personal credit record, they can also look for some specific credit card products, which may have relatively high credit record requirements. Loose or applicable to specific objects.

Summary:

For applicants with a bad credit record of more than 90 days, although they can apply for a credit card, they may be subject to certain restrictions. It depends on the bank's requirements and review process, and is also affected by other credit indicators. Applicants are recommended to learn more about each bank's credit card application requirements and seek credit card products that suit their situation. At the same time, improving your personal credit history is also an important consideration.

The above are answers based on general conditions. The specific results may vary depending on the bank and personal circumstances. Try to comply with your bank's regulations and requirements and consult a professional for more accurate information.