It will not be affected.

Detailed instructions:

1. After the credit card debt of 500 yuan was overdue, you settled the balance and closed the account.

2. Applying for a provident fund loan after two years will not be affected by credit card debt.

3. Even if you made a one-time deposit of 600 yuan in the first half of 2010 and were told that the card can no longer be used, you have closed your account and have not applied for another credit card.

4. You are currently applying for a provident fund loan, and credit card debt will not affect it.

Extended information:

According to the information provided, you have settled and closed your credit card balance. Even if you have been overdrafted once or twice in the past and the card cannot be used due to problems in other places, since you have taken appropriate actions and solved these problems, this should not have any impact on your current provident fund loan. When applying for a provident fund loan, the main considerations are your provident fund payment record and stable income, while credit card debt is usually not one of the main review factors.

Summary:

Closing the account after the credit card debt of 500 yuan is overdue will not have an impact on the application of provident fund loans two years later. The key is to ensure that you meet the corresponding requirements when applying for a provident fund loan, such as having a stable income and a good provident fund payment record.