It's no problem to apply for a seriously overdue bank savings card, but it will be more difficult to apply for a credit card. It is suggested to deal with overdue payment as soon as possible. After all, overdue affects your credit history. Moreover, it is a very bad phenomenon that loans overdue has not repaid the loan. If you want to borrow money again in the future, the bank will decide whether to lend it to you according to your previous credit history. Some banks are very strict. If you are blacklisted, it will be difficult for you to borrow money from this bank. This answer is provided by Youhuahua, a credit service brand under Xiaoman Finance (formerly Baidu Finance). The reliable interest rate is low, and the amount can be calculated immediately by clicking the bottom of the mobile phone, and the maximum loan amount is 200,000.