Yes, you can still apply for a credit card if your credit is overdue. The following is a detailed explanation:

First of all, credit overdue refers to the situation where the borrower fails to repay the loan or credit card overdraft according to the time agreed in the contract. Although overdue credit will have a negative impact on a person's credit history, it does not mean that the opportunity to apply for a credit card is completely lost.

Secondly, when applying for a credit card, banks will consider multiple factors, not just overdue credit. These factors include the borrower's current economic situation, income level, employment status, etc. Borrowers may be able to obtain credit cards with overdue credit if they can demonstrate their ability to repay.

Additionally, even if approved for a credit card with overdue credit, borrowers may face some restrictions. For example, the credit limit may be lower, the interest rate may be higher, and stricter repayment requirements may apply. This is the bank's risk control measure to ensure the normal operation of the credit card and the borrower's repayment ability.

In general, overdue credit is not an absolute obstacle to applying for a card, and other factors will be taken into consideration during the review. However, borrowers need to provide sufficient information to prove their repayment ability and bear corresponding risks and restrictions. Before applying for a credit card, it is recommended to communicate with the bank in detail to understand the specific requirements and conditions.

Extended information:

Overdue credit seriously affects personal credit records, causing borrowers to face higher interest rates and stricter requirements when applying for loans or credit cards. To maintain a good credit record, borrowers should actively repay their debts and negotiate with creditors to resolve overdue issues.

As China’s credit system continues to improve, overdue credit will receive more and more attention. It is recommended that borrowers plan and borrow appropriately during the loan or credit card use process, and ensure timely repayment to maintain a good credit record and credit rating.

The above is the answer to whether borrowers with overdue credit can apply for a credit card. Although overdue credit can have negative consequences, getting a credit card is still possible, depending on the borrower's ability to repay and the bank's approval criteria.