credit cards are generally overdue for three consecutive periods and accumulated six credit records, which is very serious, so it is difficult to apply for a credit card again.

Bad credit records will be kept in the central bank's credit information system for five years, and it will be difficult to apply for a credit card successfully within five years. Reminder: Once you have credit card arrears, you must have a reasonable repayment plan to avoid the adverse effects on your credit history due to overdue.

This is the basic process of credit card processing:

1. After entering the application page, select the application area, and the system will list the credit card types that can be applied for in this area. Click Apply Now to enter the information filling page.

2. When applying, you must fill in the true and valid application materials, and the bank will distinguish them.

3. Just submit the form after completing it, and the system will automatically conduct preliminary examination, and then submit it to the local branch for further examination.

4. The online application is basically the same as the actual written application. You must be over 18 years old and have stable work and repayment ability.

if you are overdue recently, I suggest you wait a few months, because overdue will always affect credit.