Not yet. After two years, if you really want to do it, you can try it or get a secondary card. Under normal circumstances, you can apply for a credit card one year after the account is paid off, but the specific situation depends on the requirements of the bank applying for a credit card!

Credit card debt, after taking all possible measures and necessary procedures, the irrecoverable credit card overdraft principal and interest can be confirmed as bad debts. Overdraft overdue beyond 18 1 day (inclusive) can be recognized as bad debt, indicating that the bank has reminded it more than 6 times. The write-off of bad debts does not mean the termination of your contract with the bank. You are still obligated to repay the arrears and all the interest payable. It is suggested to pay off the bank's money as soon as possible. The landlord's credit card is definitely not available. I suggest contacting the bank to pay off the debt and cancel the card. Your bad record can only be automatically deleted after 5 years from the date of paying off the debt.

The credit report is updated every five years, but the starting date is from the repayment date or the date when I take out the balance cancellation card inside. I suggest you get in touch with the bank to discuss how to handle it properly, which will be better.