The credit report records the monthly usage of the cardholder's credit card for nearly 24 months. Once a serious overdue record is found, continue to use this card and overwrite the original negative record with a new repayment record. A new credit record will be generated after 24 months, and personal credit will not be affected after refreshing the record. If you want to apply for a loan now, you can try to provide the bank with proof of "non-malicious overdue", and some banks may be lenient. For example, some people just forget to use the card and only owe the annual fee, and some need to go to the head office to issue a certificate that only owes the annual fee, so they can still apply for a loan. When the borrower applies for a provident fund loan from the management department of the provident fund management center where the provident fund is deposited, and chooses the guarantee center to provide the guarantee, it shall submit all the materials required for the individual to apply for the loan, including ID card, household registration book, marriage certificate, divorce certificate, proof of down payment for house purchase, house purchase contract, proof of housing provident fund deposit, etc.

Legal basis:

Article 24 of the Regulations of People's Republic of China (PRC) Municipality on the Administration of Housing Provident Fund shall be under any of the following circumstances, and employees may withdraw the storage balance in their housing provident fund accounts:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

Derivative problem:

What is the impact of overdue credit records? 1. Personal credit damage: Personal credit is closely related to credit investigation. If there are bad records in the credit report, personal credit will also be damaged. 2. Impact on card processing and loans: Whether you apply for credit cards or loans in banks or go to other formal and large lending institutions or platforms to apply for loans, you generally need to check the applicant's credit information. However, if there are overdue records in the applicant's recent credit report, it may lead to the failure of the bank, lending institution and platform, and thus be refused to approve the card and loan. Even if credit cards and loans are successfully obtained, the approved amount is usually relatively low. Moreover, it is not only individuals who are affected. If both husband and wife have the same loan, the credit information of both husband and wife will generally be inquired. If one of them has a bad credit report, it will affect the smooth approval of the loan.