1. Credit card overdue: Although you have three credit card overdue records in the past year, you have paid off all of them now, which is a positive factor.
2. Work reasons: If the overdue period is caused by work reasons, the lending institution may consider this factor and make an appropriate assessment.
3. Credit history: In addition to overdue credit cards, if your credit history has been good and there are no other serious bad records, it will have a positive impact on your application.
To sum up, although you have overdue credit card records, these overdue records have been paid off, and your credit record has always been good, which increases your chances of applying for a car loan. However, whether it can be approved in the end still depends on the specific policies and evaluation results of lending institutions. I suggest that you actively provide relevant materials, communicate with lending institutions, and show your repayment ability and stable financial situation as much as possible.