Detailed description:

1. Credit card is a financial tool that provides cardholders with the convenience of borrowing and paying, and personal credit status is usually evaluated when applying.

2. China Agricultural Bank refers to China Agricultural Bank. As a commercial bank, the borrower's credit history and repayment ability will also be evaluated when issuing credit cards.

3. 13 overdue record means that the cardholder has failed to repay the loan on time for 13 times in a certain period of time in the past, which will be regarded as bad credit performance.

4. Provident fund loans refer to loans to banks through provident fund accounts. According to the problem description, my wife may have applied for a provident fund loan.

Because there are many overdue records, ABC may think that cardholders have high credit risk, so in this case, it is less likely to apply for a credit card.

Summary:

Based on my wife's overdue record of 13, I may not be able to apply for a credit card. Overdue records show that cardholders' failure to repay on time in the past will have a negative impact on their credit evaluation, especially when commercial banks issue credit cards. Therefore, ABC may consider his wife's high credit risk and refuse to apply for a credit card for her.

Extended data:

Overdue record refers to the situation that the cardholder fails to repay the money according to the time agreed in the contract, resulting in overdue repayment of the arrears. Overdue records will have a negative impact on personal credit evaluation, making borrowers face more obstacles when applying for loans or credit cards. Banks often consider factors such as overdue times, overdue amount and overdue duration to evaluate personal credit status. Generally speaking, the more overdue records, the lower the personal credit rating, and the less opportunities to obtain credit products. Therefore, before handling a credit card, a good credit record and repayment ability are very important.