It will be affected. Overdue credit cards can lead to inability to repay provident fund loans, and it is obviously necessary to hold the person responsible for breach of contract. When applying for a provident fund loan, the housing provident fund management center also needs to check whether the consultant has unpaid debts and personal credit records through the People's Bank of China credit system.

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According to the laws of our country, housing provident fund loans will not be accepted if there is one of the following circumstances.

Housing or consumer loans: The borrower and his spouse’s housing loans, business or consumer loans, etc. are overdue for more than 90 days during the agreed repayment period or are overdue for a total of 6 periods (times) and above. Those who have been found to have committed loan fraud or expropriated housing provident funds and have been recorded in the credit reporting system.

Credit card category: The credit card held by the borrower and his or her spouse is overdue for more than 90 days in the past 24 months or has been overdue for a total of 6 periods (times) or more. The borrower and his or her spouse have been sued for personal loan or credit card bad credit and are recorded in the credit bureau system.

The above is the impact of overdue credit cards on provident fund loans. Relevant situations need to be legally identified and processed in accordance with legally prescribed procedures, especially for the loan situation of the parties involved, whether it is provident fund or commercial. Loans require legal review and determination in accordance with procedures stipulated by law.

When applying for a housing provident fund loan, if the employee or his spouse has the following bad credit conditions, the loan will not be approved in principle:

① The loan currently has unpaid principal and interest or the guarantor has repaid it; ② In the past 24 months, there is a record of loan extension (extension) or debt repayment with assets; ③ A single personal housing provident fund loan or a single unpaid commercial housing loan has not repaid the principal and interest for more than 6 consecutive periods in the past 24 months. ; ④ A single personal housing provident fund loan has been overdue for more than 24 periods in total; ⑤ A record of being sued due to an overdue personal housing provident fund loan; ⑥ There is a record of bad debts or write-offs. Based on personal circumstances, it is recommended to bring your ID card and provident fund card to the lending bank for confirmation.

When applying for a housing provident fund loan, you need to meet the following conditions:

Before applying for a loan, the applicant or the unit where the applicant works together must continuously pay housing provident fund in full for employees in accordance with regulations. At least one year old; the applicant and the same applicant have no bad credit record of overdue loans 3 times in a row or 6 times in total; the down payment for the house purchase is not less than the prescribed ratio; the property purchased is not the third home of the applicant’s family and above; the applicant has stable economic income and the ability to repay the loan; the applicant agrees to provide a loan guarantee method approved by the center; the applicant and *** co-applicants (including spouse) have no outstanding loans or other debts; The developer of the property purchased by the applicant has signed a guarantee agreement with the Center.