According to the information you provided, not using credit cards for two years will not have a direct impact on provident fund loans. However, three overdue credit cards four and a half years ago may have some impact on the loan. Specifically, it may affect the following aspects:

1. Credit history: Overdue credit card may leave a bad record in personal credit history. If banks examine personal credit when applying for provident fund loans, these bad records may have a certain negative impact on loan applications.

2. Credit score: The overdue credit card may reduce the personal credit score, which is a basis for banks to judge personal credit status. Low credit score may affect the approval result of provident fund loans.

3. Loan interest rate: According to different credit conditions, banks may offer different loan interest rates. The overdue record of credit card may be regarded as a bad factor of personal credit status by banks, resulting in higher loan interest rate.

To sum up, although not using credit cards for two years will not directly affect provident fund loans, the overdue credit card records four and a half years ago may have a certain impact on loans in terms of credit records, credit scores and loan interest rates.

Extended data:

Provident fund loan means that individuals deposit a certain amount into the housing provident fund account and can borrow money from banks to buy and build houses. Applying for provident fund loans usually needs to meet certain conditions, including good credit status. When approving provident fund loans, banks will review personal credit records and credit scores to determine repayment ability and risk level.

Please note that the above answers are only based on the information provided, and the details need to be further understood. If you need to know your specific situation in detail, it is recommended to consult your local bank or provident fund management institution.