First of all, overdue repayment will have a negative impact on personal credit records. Credit record is one of the important bases for lenders to evaluate borrowers' credit status. If the credit card is overdue, it will leave a bad record in the personal credit record and may reduce the personal credit score. Low credit score may affect the approval results of subsequent loan applications.
Secondly, provident fund loans usually also review the borrower's credit history. If there is a record of overdue repayment in the credit record, it may have a certain negative impact on the approval of provident fund loans. Lenders may think that the borrower's repayment ability is unstable, so they will examine the loan application more carefully.
However, it should be noted that different lending institutions may have different tolerance and approval criteria for overdue repayment. Some institutions may pay more attention to credit records, while others may pay more attention to the income and repayment ability of borrowers. Therefore, even if there is a record of overdue repayment, it is still possible to obtain provident fund loans, but it may be necessary to meet stricter conditions or pay higher interest rates.
To sum up, overdue repayment of credit cards will have a certain impact on provident fund loans, which may reduce the success rate of loan approval or increase the cost of loans. It is suggested to repay the loan in time, maintain a good credit record and improve the success rate of loan application.
If the online loan itself is not compliant, then such online loans are overdue and have no impact on your personal credit status, but the online loan record will remain in the online loan big data. Search: thirteen data, check your online loan history, overdue details of online loans, debt situation, untrustworthy information, and online loan blacklist.