In this case, credit card and provident fund loans that are overdue 14 times are overdue once a month.

Details:

1. Number of overdue loans: The borrower’s credit card and provident fund loans were overdue 14 times respectively. This means that over a period of time, they have not repaid their debts on time, resulting in repeated overdue records.

2. Length of delinquency: A delinquency occurs every month, which indicates that the borrower has failed to repay on time for several consecutive months. There may be repayment difficulties or poor management.

3. Impact: Overdue credit will have a negative impact on your personal credit record. Frequent delinquencies may result in a decline in your credit score and may impose restrictions on future borrowing and credit activity.

Summary:

This borrower has serious overdue problems in both credit card and provident fund loans. It is overdue 14 times and once a month, indicating that there are obvious problems with its repayment ability. Such behavior will adversely affect one's personal credit record and may result in a decrease in credit score and restrictions on future borrowing and credit activity.

Extended information:

Late repayment means that the borrower fails to repay the debt on time within the agreed time. Overdue records will be recorded on personal credit reports by banks and credit agencies, which will have a negative impact on credit scores. Frequent overdue records may lead to a decline in credit scores, making it difficult for borrowers to obtain more lines of credit or loans, and may affect future large loans such as home loans and vehicle loans.

It is recommended that borrowers actively contact relevant financial institutions to seek solutions, such as formulating a repayment plan, deferring repayment or readjusting loan terms, etc. In addition, borrowers should also strengthen personal financial management to ensure timely repayment and avoid overdue loans again. A good repayment record can gradually restore your credit score and provide better conditions for future borrowing.

The above are the answers based on the problem description.