If the credit card is overdue once, it will not affect the user's application for the reserve fund. The user's credit information has returned to normal. However, the overdue record of one credit card has not been deleted. No matter whether the overdue debt is paid off or not, as long as the record is not deleted, the user is a bad credit, and it is impossible to apply for a provident fund loan with bad credit.

Due to the need to repay as soon as possible, only by repaying as soon as possible will the overdue records be deleted as soon as possible, so that it will not affect.

Users can generally go to Yingxin to get personal credit big data report, check the loan record, whether it is overdue, whether it is blacklisted and so on.

Extended data:

Each bank's provident fund loan conditions are different from those of Agricultural Bank of China.

1. The borrower has a legal and valid identity;

2. The borrower has continuously paid the housing accumulation fund for more than 12 months;

3. The borrower has a stable job and income and the ability to repay the principal and interest of the loan;

4. The borrower has a good credit record and no bad credit record;

5. The borrower has legal and valid house purchase, renovation contract and agreement, and bank requirements.

6. The borrower has an asset mortgage or pledge recognized by the bank, or a legal person, other economic organization or natural person with sufficient compensation capacity as a guarantor;

7. Meet the loan conditions stipulated by the loan department.

Second, the provident fund loan credit is overdue?

Provident fund loans overdue, can open a certificate in the bank, modify the credit record. Provident fund loans refer to individual housing provident fund loans, which are issued by local housing provident fund management centers. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to provide mortgage loans to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their working life. According to the regulations, employees who have paid housing provident fund for more than a certain period of time can apply for provident fund loans when the funds for purchasing, building, renovating and overhauling their own houses are insufficient. Credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law. The credit information of credit investigation is as follows: 1, which can be used to identify individuals and reflect their family and occupation. 2. Personal credit information formed by the credit relationship between individuals and financial institutions or housing provident fund management centers; 3. Personal credit purchase and payment information formed by personal credit purchase relationship with commercial institutions and public utility service institutions; 4, the administrative organs, administrative affairs law enforcement organs, judicial organs in the exercise of their functions and powers in the process of public personal credit related record information; 5. Other information related to personal credit. The recovery methods that have affected the credit investigation are as follows: 1. Maintain a high-quality credit record for a long time after the appearance of bad records; 2. Pay off the debt quickly. If it is not maliciously overdue, you can contact the bank staff to explain the reasons after paying off the arrears. The bank will issue a "non-malicious overdue" certificate to maintain a good credit record; 3. The new credit record can only be provided for a long time without returning the card, and the new record will cover the original bad record; 4, commercial banks and other financial institutions in judging a person's credit status, focus on this person's recent credit transactions; 5. Once the credit information is uploaded, it cannot be changed or cancelled.

Third, the overdue record of the provident fund?

In your case, the general bank will not easily issue a certificate of non-malicious repayment. There is no other way but to make up for it through a good repayment record in the later period.

But since you have paid off, and the longest overdue day is 90 days, you can write a statement of your situation and increase the down payment ratio. Can it be recognized by the provident fund loan center? Sometimes it's human nature. Better late than never.

Four, the credit problem of provident fund loans after two years?

Housing provident fund has a bad credit record. Whether the loan can last for more than two years depends on whether the bad record has been corrected and whether it meets the requirements of the provident fund center. Need to be determined in the provident fund center. Provident fund loans require credit rating for users, which is based on the personal loan information of the central bank, comprehensive personal occupation, deposit base and provident fund balance.