1. Data sharing: In China, there is an information sharing mechanism among banks, credit card companies and online lending institutions. This means that overdue online loans may affect your credit history, including credit card repayment records.

2. Personal credit report: Financial institutions can obtain your credit information through personal credit reporting agencies (such as the central bank's credit reporting center). Overdue online loans may appear in your credit report and have a negative impact on your credit score.

3. Comprehensive evaluation: Financial institutions will comprehensively consider various factors when approving credit card applications, including your income, employment situation and credit history. Online loans overdue may be regarded as bad credit behavior, thus reducing your chances of getting a new credit card.

Summary:

Overdue online loans may affect your credit card application and credit score, because financial institutions will comprehensively consider your credit history. It is recommended to repay the loan in time and maintain a good credit status. If necessary, you can consult relevant financial institutions or personal credit reporting agencies for more information.

Extended data:

In China, the construction of credit system has become one of the important goals of financial reform. Personal credit records play an important role in various financial activities, such as loans, credit cards and mortgages. The adverse effects of overdue online loans on personal credit evaluation may lead to problems such as loan difficulties and credit card limits. Therefore, it is very important to maintain a good credit record and ensure that debts are paid off on time.