The credit card fees of Agricultural Bank of China, Bank of China and ICBC are relatively favorable, and there is no upper limit, which is very suitable for buying a car by stages. You can apply for credit cards from these banks.

In view of the problem of car purchase by credit card installment, financial experts analyzed and compared 10 credit card installment purchase schemes promoted by ICBC, Agricultural Bank, Bank of China, China Construction Bank, China Merchants Bank, Minsheng, Xingye, Shanghai Pudong Development Bank and Guangzhou Bank, and found out the bank with the least cost and the most suitable for you from three aspects: handling fee rate, application threshold and repayment method.

Expert evaluation results: the handling fees of ABC, BOC and ICBC are more favorable, with no upper limit; However, if consumers only choose for low rates, they may not be able to handle it in the end. Because there is an invisible threshold behind the handling fee rate: application conditions. At this point, CCB and China Merchants Bank are more "close to the people".

The specific process of buying a car by credit card is as follows:

1. First, apply for a credit card;

2. Give you a loan to buy a car according to your credit history (that is to say, you have to activate the card when you get it, then use it for a while, swipe your card frequently, and then pay back the money on time. Don't fail to pay back the money. Good credit record);

3. Each bank cooperates with the designated car dealer, which means that you can only choose the car brand provided by the bank, and then choose the loan period according to your own economic situation (only 1 year, 2 years, 3 years);

4. Then go directly to the bank outlet to find the account manager, who will handle it for you, usually within 15 working days.