Generally speaking, people whose credit cards are overdue for 8 or 9 times are unlikely to be approved for provident fund loans. Provident fund loan is a form of loan provided by banks or other financial institutions, which usually requires borrowers to have a good credit record and good repayment ability. The overdue credit card indicates that the borrower failed to repay the debt on time in the past loans, which will have a negative impact on his credit history. Borrowing institutions for provident fund loans often evaluate borrowers' credit records when examining loan applications, and regard borrowers with more overdue times as risky and may refuse their loan applications.

Specifically, people whose credit cards are overdue for 8 or 9 times may face the following problems when applying for provident fund loans:

1. Reduced credit score: More overdue times will lead to a decline in personal credit score, which is one of the important indicators for banks to evaluate the credit risk of borrowers. Borrowers with low credit scores often find it difficult to obtain loan approval.

2. Strict bank review: Due to the influence of overdue records, banks may be more cautious when reviewing provident fund loan applications. Banks prefer to choose borrowers with good credit records and high credit scores of loan applicants to reduce risks.

3. Doubts about repayment ability: Overdue records mean that borrowers fail to repay their debts on time, which will cause lenders to worry about their repayment ability. Lending institutions tend to choose borrowers with stable economic income and good repayment ability.