Legal analysis: If there is a continuous accumulation of credit information, then the application for provident fund loans will be rejected. "Three consecutive days" refers to the overdue repayment for three consecutive months, and "six consecutive days" refers to the accumulated six overdue repayments. If there are only a few minor overdue cases, then the credit investigation may not always be reflected, and there is still a chance to apply for a provident fund loan.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.