Overdue credit card can apply for unsecured loan? -A mortgage contract

Many of my friends asked if I overdue credit card payments three months ago, but now it has paid off. Can I apply for an unsecured loan?
credit experts say this is possible. If more than 90 days overdue, repayments for six months in the future applications such as needs, not 90 days 60 days, it would be 3 months from the date of repayment, if within 30 days, barely affected. When Bank one's credit status, usually based on the record of past credit behavior, including personal loans, credit cards and other credit transactions in the past. Loan Department recommends that you usually pay attention to payment in full and on time, avoid unnecessary credit losses.