The balance of the provident fund account cannot be directly repaid to the credit card. Users can withdraw funds from the provident fund account, and then deposit the extracted funds into the credit card to repay the arrears. If the user has the intention of buying a house with a loan, he will not withdraw it at will. After all, the interest rate for applying for provident fund mortgage is lower than that for commercial loans. As for those who have already used provident fund loans to buy a house, applying for balance withdrawal will not have any impact.

Can the provident fund be replenished by itself?

No, the housing provident fund is deducted from the salary. The housing provident fund paid by individual employees shall be withheld and remitted by the unit from the employees' wages every month. The unit needs to remit the housing provident fund paid by the unit and withheld for employees into the special housing provident fund account within five days from the date of monthly payment of wages to employees, and the entrusted bank will include it in the employee housing provident fund account.