You can apply for a small loan, but it may be affected by a credit evaluation.

Details:

1. Overdue credit card is a kind of bad credit record, which may have a certain negative impact on an individual's credit rating.

2. Small loans usually use a credit assessment to determine whether the applicant is eligible for the loan. Overdue records may lower the credit rating, thereby affecting the applicant's loan approval outcome.

3. Still, there's more than just a bad record to look at when evaluating a loan application. Other factors will also be considered, such as the applicant's income, employment status, debt status, etc.

4. If the applicant has a good repayment record and maintains good credit performance after being overdue, the chance of applying for a small loan may increase.

5. Applicants can increase their credit reliability and improve their chances of obtaining a loan by providing other credit certificates or collateral.

Summary: Although an overdue credit card may have a certain negative impact on applying for a small loan, it does not completely rule out the possibility of obtaining a loan. In addition to credit history, other factors are considered to assess an applicant's creditworthiness. Good credit performance and providing other credit references or collateral can increase your chances of obtaining a loan.

Extended information: The personal credit rating system is mainly managed by the Central Bank’s Credit Reference Center, which assesses credit risks by collecting and recording personal credit information. Factors such as overdue records, debt status, income and debt ratio all have an impact on credit ratings. When applying for a small loan, a bank or financial institution will refer to an individual's credit rating and other relevant factors to decide whether to approve the loan application.