Housing provident fund card. In fact, it is just a savings card, which establishes a joint relationship with your provident fund account. It has nothing to do with loans.

If you are indeed overdue for a long time and are on the bank's blacklist, it is impossible to apply for any loan.

Of course, according to the "Credit Reporting Management Regulations (Draft for Comments)", "Credit reporting agencies shall not disclose or use personal bad credit that has been more than 5 years since the date of termination of the bad credit behavior or event." records, as well as personal criminal records for more than 7 years since the date of execution of the sentence.”

In other words, as long as you no longer have any bad credit records in the past 5 consecutive years, you will be removed from the blacklist. disappeared. At that time, you can apply for a loan.

Credit is also very important. careful.

Hope it can help you! The answer comes from: Baidu Real Estate Exchange Group, so stay tuned!