You can apply for provident fund loans if your credit card is overdue, but it cannot be overdue at present, and it can't be a black account for credit reporting, that is, the number of overdue times can't be three times in a row or six times in total within two years, otherwise the provident fund loans will be directly rejected. However, when checking the credit information of provident fund loans, in addition to seeing whether there are any bad records, the focus will also be on the borrower's liabilities and other credit records. For example, if there are multiple credits and multiple loans, there will be too many outstanding debts, which will also have an impact. Legal objectivity:

Article 196 of the Criminal Law commits credit card fraud in any of the following circumstances, and if the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 5, yuan but not more than 5, yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) Malicious overdraft.