Having your credit card frozen will affect your provident fund loan. If you fail to repay it overdue, your personal credit report will definitely have a bad record.

1. After the expiration date, although the money has been repaid, your card can no longer be used. If the bank cancels it, your bad records will be kept for a long time. Currently, in China, There are no clear regulations for bad personal credit records. Some say it will last seven years, and some say it will never be eliminated. If your card can still be used after negotiating with the bank, then you should swipe the card frequently and repay the money frequently to improve your personal credit. After two years, your personal credit report will return to normal.

2. Generally, it is difficult to get approved for a loan if it is overdue and has a bad credit record.