Judging from the results, the overdue situation in the past 10 years will have a certain impact on the current card application.

First of all, when considering whether to approve your card application, banks usually consider a variety of factors, including your credit history. Since you have 20,000 overdue records in the past, this may be regarded as a risk factor, which may lead the bank to be cautious about your application and may even reject your application.

Secondly, even if the bank approves your card application, because the bank will evaluate your credit limit and interest rate according to your credit record, past overdue records may have a negative impact on these factors. Banks may think that you have certain credit risks, so they may reduce your credit limit and adopt higher interest rates, thus limiting your credit card use and loans.

To sum up, past overdue records will have a certain impact on your current card use. It may cause the bank to be more cautious when approving your application, and will adjust your credit limit and interest rate accordingly after approval.

Extended data:

As a convenient payment tool, credit card is of great benefit to individuals and families. However, when the bank decides whether to approve the card application, it will evaluate the applicant's credit record to judge whether it has repayment ability and credit reliability. Therefore, maintaining a good credit record is very important for applying for credit card and other loan business. If you have a bad credit history, it may adversely affect your credit card application.

The above is the answer to your question, I hope it will help you. If you have any other questions, please feel free to ask me.