Provident fund credit card generally refers to a provident fund joint card. This card is jointly issued by the housing provident fund management center and commercial banks. The application conditions are: employees who have established a housing provident fund account can rely on their valid identity Certificate, go to the bank to apply for it.

However, employees under the following circumstances cannot apply for joint provident fund cards:

1. Employees with multiple accounts need to merge their accounts before they can apply.

2. The employee’s identity number is duplicated and can only be processed after correction.

3. During the period of centralized sealing of employee accounts, they need to be handled by the new unit after they are transferred to the new work unit.