it depends on the specific situation. When applying for provident fund loans, there are requirements for personal credit: before applying for provident fund loans, the maximum overdue period of personal loans within two years should not exceed 3 (inclusive) and the cumulative overdue times should not exceed 6 (inclusive). If the credit does not meet this condition, then you can't apply for provident fund loans, and you can only wait for less overdue records within two years.

Will my overdue credit card affect my retirement?

it doesn't affect. After overdue, the cardholder must pay a high overdue fine, interest, liquidated damages and late fees. After the deadline, personal overdue information will be uploaded to the credit information system, and the loan will be rejected by the bank in the future. If the cardholder is blacklisted, it will be restricted from high consumption.