1. If there is a balance in the provident fund account, choose to use the provident fund account to offset the monthly payment first. For example, your monthly payment is 1000, of which 300 is provident fund, 700 is commercial loan, and the balance of provident fund is 10000 yuan. Then/kloc-you don't need to deposit money in the repayment card when you repay within 0/0 months, because the bank will give priority to offset it with your provident fund.

2. If the balance of your current provident fund account is not enough to offset the repayment amount of one month, then the bank will give priority to deduct the repayment amount of the current month from your repayment card.

3. To sum up, check the balance of the provident fund account and repayment card in time, and keep enough deduction on the books to avoid the bad record of overdue repayment.