According to the information you provide, not using a credit card within two years will not have a direct impact on provident fund loans. However, having a credit card that was overdue three times four and a half years ago may have had some impact on the loan. Specifically, it may have an impact on the following aspects:

1. Credit record: An overdue credit card may leave a bad record in the personal credit record. If the bank conducts a review on the personal credit when applying for a provident fund loan, Review, these bad records may have a certain negative impact on the loan application.

2. Credit score: An overdue credit card may lower an individual's credit score. Credit score is a basis for banks to judge an individual's credit status. A low credit score may affect the approval results of provident fund loans.

3. Loan interest rate: Depending on the credit status, banks may grant different loan interest rates. Overdue credit card records may be viewed by banks as an adverse factor in an individual's credit profile, resulting in higher loan interest rates.

To sum up, although not using a credit card within two years will not directly affect the provident fund loan, the overdue credit card record four and a half years ago may have a certain impact on the loan in terms of credit history, credit score and loan interest rate. influence.

Extended information:

A provident fund loan is an individual who deposits a certain amount of money into a housing provident fund account and can borrow money from a bank for purposes such as house purchase and construction. Applying for a provident fund loan usually requires meeting certain conditions, including good credit status. When banks approve provident fund loans, they will review an individual's credit record and credit score to determine the repayment ability and risk level.

Please note that the above answers are only based on the information provided, and further understanding of the specific situation is required. If you need to know more about your specific situation, it is recommended to consult your local bank or provident fund management agency.