Details are as follows:

1. China Personal Credit Information System is a mechanism to record personal credit status and credit history, which is mainly managed and operated by the People's Bank of China and other relevant institutions.

2. Provident fund loans are mortgage loans. Borrowers use provident fund as collateral to purchase houses or personal consumption through provident fund loans.

3. Overdue repayment refers to the failure to repay the loan principal and interest on time within the repayment period stipulated in the loan contract, that is, the borrower fails to repay the loan at the time and amount stipulated in the contract.

4. According to China's relevant regulations and practical experience, as long as one day in loans overdue, provident fund loans may be credited.

5. Overdue repayment will have a negative impact on personal credit records, and may lower personal credit rating when applying for financial services such as loans or credit cards in the future.

Summary:

According to the above analysis, the provident fund will be collected only one day in loans overdue. Therefore, the borrower must repay the loan on time within the repayment period, so as not to have a negative impact on the personal credit record.

Extended data:

In China, personal credit records are widely used in financial services and credit rating. In addition to provident fund loans, overdue repayment will also have a negative impact on personal credit. Therefore, both provident fund loans and other types of loans should keep good repayment records and actively safeguard personal credit.