Personal credit is very important, especially in handling bank credit business, such as credit cards, and good credit is all-encompassing. However, some people have overdue records on their credit reports, so can they also apply for credit cards in this case? This depends on the severity of overdue, and you have to master some card handling skills. can I get a credit card if I have overdue records? Yes, but it depends on the severity of overdue. First of all, there are overdue and unpaid debts, which will definitely refuse the card. Those who have been overdue in the past have to pay off their overdue debts, and the number of overdue times within 2 years shall not exceed three consecutive years. However, it depends on the risk control standards of various banks, and whether the qualifications of the most critical applicants meet the requirements.

and you have to master some card handling skills: 1. Banks with low threshold for finding credit cards can try to apply for credit cards from China Merchants Bank, Industrial Bank, China CITIC Bank and Minsheng Bank if they are not overdue at present, and the overdue debts have been paid off in the past, and the number of overdue times has not reached three consecutive times. These commercial banks have relatively low thresholds, relatively loose risk control, and online applications also have the opportunity to get cards. 2. Banks that can handle cards by card include Bank of Communications, China Guangfa Bank, China Bank, Ping An Bank, etc. These banks require that they have held other banks' credit cards for more than one year, and they are in good condition, so they can apply for them without overdue. 3. Moving bricks to apply for a card is a financial struggle. As an old saying goes, there is nothing that money cannot solve. As long as the overdue situation is not serious, you can deposit more than 5, yuan in the bank that wants to apply for a card, or buy financial assets. The success rate of applying for a card after a while is still quite high. But then again, will people with this money still apply for credit cards?