If the credit card has arrears, but it is not overdue, it will not affect the approval of provident fund loans. If the credit card is overdue, it will affect the approval of housing provident fund loans.

Taking Zhengzhou as an example, according to the loan conditions stipulated in the Instructions for Housing Provident Fund Loans issued by Zhengzhou Housing Provident Fund Center:

1. Valid identification of the borrower and its spouse;

2. It is stipulated that the down payment has been paid, the down payment loan amount = the total house payment, and the house payment has not been paid;

3. The borrower has paid the housing provident fund continuously, on time and in full for more than 6 months (inclusive) after opening the deposit account, and has not paid it for more than 4 consecutive months recently;

4, the family income is stable, good reputation, the ability to repay the loan principal and interest;

5. Agree to provide loan guarantee approved by the Housing Provident Fund Management Center;

6. The borrower and spouse have no outstanding housing provident fund loans or large debts.

Extended data:

Article 5 A borrower shall meet the following conditions:

1. Have permanent residence or valid residence status in cities and towns;

Two, a stable occupation and income, good credit, the ability to repay the loan principal and interest;

Three, with the purchase of housing contracts or agreements;

Four, no housing subsidies to not less than 30% of the total price of the purchased housing as the down payment; If there is a housing subsidy, 30% of the personal commitment is the down payment for the purchase;

Five, there are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensation capacity as guarantors;

6. Other conditions stipulated by the lender.