Credit loans will not affect provident fund loans. According to relevant public information, credit loans and provident fund loans are two different loan methods, which do not affect each other. Credit loan refers to the loan granted to individuals according to their credit status and repayment ability, without providing mortgage or guarantee. Provident fund loan refers to the housing provident fund paid by employees through the housing provident fund loan system as the repayment source of the loan for the purchase, renovation or construction of housing. Therefore, the repayment methods and sources of credit loans and provident fund loans are different, and the application and approval are independent and will not affect each other.