As long as the situation is not very serious, you can generally apply for a card again:

Generally, if a credit card is overdue for 3 consecutive periods and accumulates 6 periods, the credit record is very serious and it is difficult to apply for a credit card again.

Bad credit records will be kept in the central bank’s credit reporting system for 5 years and will be recorded continuously for 2 years. It will be difficult to successfully apply for a credit card within 5 years. Reminder: Once you have a credit card debt, you must have a reasonable repayment plan to avoid the negative impact of overdue payments on your credit record.

The process of applying for a card again is basically the same as that for the first time:

1. After entering the application page, select the application area, and the system will list the applications that can be applied in that area Credit card type. Click Apply Now to enter the information filling page.

2. When applying, be sure to fill in true and valid application information, and the bank will automatically identify it.

3. Just submit the form after filling it out. The system will automatically conduct a preliminary review. After the preliminary review is completed, it will be submitted to the local branch for further review.

4. The conditions for online application are basically the same as those for actual written application. You must be over 18 years old and have a stable job and repayment ability.

It is recommended that you check your credit report before deciding whether to apply for a credit card.