The credit card held by the borrower and his spouse has been overdue for more than 90 days or 6 times or more in the last 24 months. Borrowers and their spouses have been sued for bad personal loans or credit cards and recorded in the credit information system. Do not accept housing provident fund loans.

The staff of the Jiande Sub-center of the Provident Fund said that housing loans are based on families, and credit records are also based on families. If one of the husband and wife has bad credit, it will be considered that the family has bad credit, so it is still unable to accept the application for provident fund loans.

Personal loans overdue of the borrower and his spouse's housing loan, business loan or consumer loan exceeds 90 days or accumulated 6 times or more within the agreed repayment period. If it is verified that there are fraudulent loans and housing accumulation funds, it will be recorded in the credit information system.

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The Jiande Sub-center of the Provident Fund reminds the general public that in order to establish and maintain a good personal credit record, personal loans or credit card overdrafts must be paid off before the repayment date, otherwise a bad credit record will be formed, which will have a negative impact on individuals and families.

If the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than 3 months after being urged twice by the issuing bank, it shall be deemed as "malicious overdraft". Malicious overdraft, the amount of which is more than 6,543.8+0,000 yuan but less than 6,543.8+0,000 yuan, shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law.

People's Daily Online-Does overdue repayment of credit cards affect credit? It will be more difficult to apply for provident fund loans.

Phoenix. Com- What if the credit card is overdue?