Loans overdue, caused by the upgrading of the banking system, can apply to the handling bank for objection handling with my ID card and credit report, and ask to delete and correct the wrong records.
If you still disagree with the result of the objection handling, you can not only report to the credit information department of the People's Bank of China and bring a lawsuit to the court, but also apply to the credit information management department of the local People's Bank for publishing a personal statement on the personal credit report. Whether you can apply for a credit card depends on the specific overdue situation. If it is overdue occasionally, the time is short, and there is no problem.
Generally, it is overdue for 3 consecutive periods and accumulated for 6 periods, and the credit history is very serious, so it is difficult to apply for a credit card again.