1. If the credit card is overdue for more than six times in two years, you can't apply for provident fund loans. If the personal credit card or loans overdue is overdue for three consecutive months or accumulated for more than six times in two years, you can't apply for provident fund loans. At present, when a bank or provident fund handles credit business, it mainly relies on the credit record of the lender in the last two years. Therefore, cardholders who intend to apply for provident fund loans to buy a house should not use credit cards easily, and must ensure timely repayment.

2. Personal credit information is bad, and the interest rate of commercial loans should be raised. If some people who want to borrow money to buy a house have overdue their credit cards many times, personal credit information will be bad. Then you can't apply for provident fund loans, and you can consider using commercial loans. However, due to the influence of bad credit records in the past, most banks will raise the benchmark interest rate by at least 1%. Of course, if the overdue is very serious and too many times, the bank will not approve the loan application.

Therefore, banks attach great importance to personal credit records regardless of whether they want to borrow money to buy a house. Bad credit records may also affect your credit card application or installment. If you have a bad credit record, don't blindly cancel the credit card you are using, ensure rational consumption, and repay it in full and on time. After five years, the bad credit record will be automatically eliminated.