First, whether overdue loans will affect loans depends on the judgment of the local provident fund authorities; If it is not overdue and meets the conditions of local provident fund loans, you can use provident fund loans. In addition, the normal use of credit cards (timely repayment, not overdue) will not affect the provident fund loans. If the provident fund loan application is successful, you can continue to use the credit card. The user's credit card is not directly related to the user's application for housing provident fund loans. However, when users apply for housing provident fund loans, if their credit status is affected by bad behaviors such as overdue credit cards or credit card tx, then bad credit records will affect users' handling of housing provident fund loans.

Second, it represents the possible risks of the provident fund.

1. After the intermediary withdraws the provident fund, it may abscond with the money and draw water with a sieve. 2. Illegal withdrawal of provident fund may affect future provident fund loans after it is discovered. As for units or individuals who illegally withdraw provident fund, forge, alter or buy or sell official documents, certificates and seals, they are also suspected of criminal offences. If the circumstances are serious, he may be sentenced to fixed-term imprisonment of more than 3 years 10 years. 3. Once an individual's illegal withdrawal behavior is discovered, the provident fund management center can recover it according to law, and the "intermediary fee" previously paid to the intermediary agency will also be wasted. Three. The normal withdrawal process of provident fund According to Article 24 of the Regulations on the Management of Housing Provident Fund, employees can withdraw the storage balance in their housing provident fund accounts under any of the following circumstances: 1, purchase, build, renovate or overhaul their own houses; 2. Repay the principal and interest of the loan for the purchase and construction of owner-occupied housing; 3. Renting self-occupied housing, and the rent exceeds a certain proportion of family wage income; 4. Retired; 5. Go abroad to settle down; 6. The employee dies or is declared dead; 7. Enjoy the urban minimum living guarantee; 8, completely or partially lose the ability to work, and terminate the labor relationship with the unit; 9. Other circumstances stipulated by the CMC in accordance with relevant laws and regulations.