1. Decline in credit rating: Frequent overdue credit card records may lead to a decline in personal credit rating, thus reducing the opportunities for commercial and housing provident funds to obtain portfolio loans.

2. Rising loan interest rate: Due to the increase of credit risk, banks or financial institutions may raise interest rates on loans applied by individuals to make up for potential risks.

3. Access restrictions: Some banks or financial institutions may impose access restrictions on individuals with poor credit records, making it impossible for them to obtain combined loans from commercial and housing provident funds.

Summary:

The accumulated overdue of credit cards for five years 17 times may have a negative impact on the combined loans of commercial and housing provident funds, including the decline of credit rating, the increase of loan interest rate and access restrictions. These influences may limit the options and conditions for individuals to obtain these loans.

Extended data:

Personal credit records are usually evaluated through the credit information system. The credit information system takes personal credit history, repayment records and other factors into consideration to evaluate their credit risk. Credit card overdue record is one of the important indicators, which will have an impact on personal credit rating. Commercial and housing provident fund portfolio loans usually require a higher credit rating and a good credit record to obtain more favorable loan conditions.

It is worth noting that when answering the question, I assume that there is no other relevant information. The specific loan conditions and impacts may vary from bank to bank, financial institution and individual. It is suggested to consult relevant institutions to obtain more accurate and detailed information before actually applying for a loan.