detailed description:

1. Impact of credit record: even if it has been paid off after the deadline, it will still leave a record in the personal credit report. This kind of record may have a negative impact on credit score, because banks and other financial institutions usually look at personal credit reports when approving credit card applications.

2. Bank approval criteria: Each bank has different criteria when approving credit card applications. Some banks are more cautious about individuals with credit records and may pay more attention to the good performance of past credit records.

3. Influence of other factors: In addition to the credit record, the bank will also consider the income level, stability and other debts of the applicant. If the applicant can provide reliable proof of income and demonstrate good repayment ability, it may increase the chances of obtaining a credit card.

Summary:

Baidu's overdue wallet and leaving a record in the credit record may have a certain impact on handling credit cards. However, the specific degree of influence depends on the approval criteria of each bank and the overall credit status of the applicant. If you can provide stable proof of income and demonstrate good repayment ability, you may increase your chances of obtaining a credit card.

Extended information:

Credit record refers to that personal credit information is recorded by credit reporting agencies and forms a credit report. In China, the main credit agencies are the Central Bank Credit Information Center, Baixing Credit Information Center, etc. These credit reporting agencies will generate credit reports based on personal credit records and historical performance. Banks and other financial institutions often refer to the applicant's credit reports to evaluate their credit status when approving loans, credit cards and other businesses. Therefore, maintaining a good credit record is very important for successfully handling financial services such as credit cards.

It should be noted that under specific circumstances, banks may handle overdue records differently. It is recommended to consult the bank that wants to apply for a credit card and provide detailed personal credit information to get a more accurate answer.