Detailed description:

First of all, credit cards and savings cards are different types of bank cards, and their approval standards and scope of use are also different. Even if the credit card is overdue for more than one year, it is still possible to apply for a savings card.

Secondly, a savings card is a card directly associated with a personal bank account, which is used to access and manage personal funds, and almost everyone is qualified to handle it. Unlike credit cards, the handling of savings cards is mainly based on personal identification and sources of funds, and is generally not affected by credit records. Therefore, even if the credit card is overdue for more than one year, it is still possible to apply for a savings card.

In addition, Youdun is a financial service launched by the state to improve financial security. Youdun Card is a joint-name savings card, which has the basic functions of a savings card, but also has the characteristics of preventing risks and ensuring the safety of funds. According to the policy, under normal circumstances, overdue will not affect the processing of the excellent shield card.

Summary:

Although the credit card is overdue for more than one year, you can still apply for a savings card and a premium card. The handling of savings cards is relatively loose, mainly based on personal identification and sources of funds, and has little to do with credit records. The U-Shield card is a kind of card to increase financial security, and overdue for more than one year usually does not affect the handling.

Extended information:

Besides savings cards and premium cards, there are other types of bank cards to choose from, such as debit cards and virtual cards. When you apply for a bank card, you can choose the right card according to your personal needs and the relevant policies of the bank. At the same time, it is suggested that before handling any bank card, you should know the specific requirements and procedures of the bank and ensure that you meet the requirements.

I hope the above information is helpful to you. If you have any other questions, please feel free to ask.