According to China's credit card policy, you can still apply for a credit card even if you have one overdue record within five years.

Details are as follows:

First, the credit card evaluation process focuses on comprehensive credit scores. When applying for a credit card, banks will consider multiple factors, including personal credit history, income, occupation type, etc. Credit history is only one aspect of the assessment. Even with one delinquency in the past five years, an individual may still be approved for a credit card as long as other factors are good.

The second point is that the credit card limit may be affected. When applying for a credit card, the bank will take into account the individual's credit history, which may affect the credit limit. If you have had one delinquency in the past five years, the bank may deem the individual a slightly higher credit risk and lower the credit card limit.

The third point is that continued good credit can rebuild your credit history. Even if there is an overdue record, as long as you can maintain a good credit record in the future, including repaying on time, avoiding overdue payments, etc., your credit record can be gradually restored. Through good performance over time, individuals have the opportunity to re-establish credit and improve their credit scores, which will lead to better opportunities for future credit card applications.

In summary, you can still apply for a credit card even if you have had one overdue payment within the past five years. However, the application results may be affected, including credit card limit limits. At the same time, continued good credit performance can help individuals rebuild their credit records and improve their credit scores, which is beneficial to future credit card applications.

Additional information: Depending on your individual circumstances, there are other ways to establish and improve your credit history. For example, apply for a small loan or a debit card with a deposit, repay the loan on time, actively participate in the use and repayment of the credit card, etc. These will help individuals establish a good credit record and improve their success rate in credit card applications.