Detailed description:

1. The overdue car loan refers to the situation that the borrower fails to repay the car loan at the agreed time.

2. The first point: overdue car loans will have a negative impact on personal credit records, leading to a decline in personal credit scores.

3. The second point: In the process of credit card application, banks usually review the applicant's credit record. If the personal credit record has many overdue repayment records, the bank may think that the applicant has the risk of irregular repayment and refuse to apply for a credit card.

4. The third point: In reviewing credit card applications, banks will consider the applicant's income, job stability and other factors in addition to credit records. Even if there is no record of overdue repayment, if the applicant's financial situation is poor or his job is unstable, it may lead to the failure to apply for a credit card successfully.

5. To sum up, overdue car loan will affect the result of credit card processing. Individuals should repay in time and maintain a good credit record in order to improve the success rate of credit card application.

Extended data:

According to China's credit system, an individual's credit record will be affected by various factors, including loan repayment, credit card use, public utility payment, etc. Overdue repayment will have a greater impact on personal credit records, making the credit score decline. Low credit score may lead to difficulties in borrowing money, handling credit cards and buying a house. Therefore, maintaining good repayment habits and credit records is very important for personal financial life.

Summary: