Hello, cardholder. First of all, it depends on the overdue time, the overdue amount and whether you have repaid the loan after the overdue. You can check your credit history in the credit information hall below the central bank. The credit information hall under the central bank can inquire about the credit records of cardholders in the past 24 months. If the overdue time has passed 24 months and the overdue amount is not too much, you can try to apply for a credit card. However, under the warm reminder, it is best to repay the credit card on time. Failure to repay on time will definitely affect your credit history and will be blacklisted by the bank.

In addition, the most important thing to apply for a credit card is that there must be no bad record. If you have a bad record before, it will be difficult for the bank to apply through your credit card again. Now every bank is very strict about the personal data of credit card applicants. If you are overdue for a long time, or if you are overdue for a lot of times, it will definitely affect your credit history if you don't repay after the deadline.

Therefore, in order to ensure a good credit status, you should use your credit card reasonably, pay back on time, and don't have other bad records. In order to prevent you from forgetting to repay, you can choose to bind the business of automatic repayment at maturity or the business of automatic reminder at maturity.