According to the information you provided, you are going to use the provident fund loan. You have no bad record, but your wife has a credit card that is overdue, but the overdue payment does not exceed 90 days. In this case, it will have a certain impact on your provident fund loan application.

First of all, credit history plays an important role in the loan approval process, and provident fund loans are no exception. Even if you have no bad record but your wife has a past due record, the bank will use the credit history of both spouses as a reference in evaluating loan applications.

Secondly, although your wife’s overdue loan does not exceed 90 days, the overdue record will still affect the outcome of the loan application. Overdue records indicate that a borrower has been late with repayments in the past, which can lower your credit rating and may result in loan rejection or more stringent loan terms.

Finally, it is recommended that you check credit big data through Netdome Data and other channels to understand the credit records and ratings of both parties. This will allow you to better assess the feasibility of your provident fund loan application and also understand and resolve the impact of overdue records in a timely manner.

In short, although your personal credit record is good, your spouse’s overdue record may have an impact on your provident fund loan application. Understanding and improving the credit ratings of both spouses is an important factor in increasing the chances of a successful loan application.

Extended information: Provident fund loan is a loan method that uses personal provident fund deposits as the source of loan repayment. Provident fund loans usually have lower interest rates and longer repayment terms, so they are favored by many people. During the loan application process, banks will comprehensively consider factors such as personal credit history, social security and provident fund deposits for evaluation. Keeping abreast of your credit status and taking active credit management measures play an important role in successfully applying for provident fund loans.