It took me two months to get a credit card back, and it sent me a text message saying that the bill had been paid off now. This is out of date.

It's hard to say. Generally, the longest interest-free period of credit cards is about 50 days, and the shortest is only 20 days. It is said that one overdue will not affect your card application, but it will be serious if it is overdue for more than one month, which directly leads to the inability to issue cards within half a year. Believe me, it will be better if it is overdue for half a year, but it will definitely have an impact.

Hands, give points!