I haven't heard that banks want to see the provident fund. In fact, paying the provident fund is just a way to prove that you have a job. The key to applying for a credit card now is to see if your income certificate can be recognized by the credit card audit department. Now the proof of income printed on A4 paper is not credible. The bank may audit your income in other ways, such as the income tax voucher you pay every month and the payment of your social security fund.