Black accounts with overdue normal credit cards need to submit credit reports, but the overdue records are refreshed every five years. There is no overdue within 5 years after paying off, and both commercial loans and provident funds can be loaned. The current provident fund policy does not check the credit report, so the credit card is overdue and the provident fund can also be loaned. Commercial loans depend on the specific circumstances and amount of overdue, and communicate with the bank specifically.