This sentence means that the cardholder uses a credit card to purchase a family car at a dealer designated by the bank, and repays the loan principal and handling fees in installments in accordance with the bank's requirements.

Credit card holders need to agree to pay the down payment first, and then apply to the bank to use their credit card to purchase a family car at a dealer designated by the bank. After approval, the bank will divide the approved loan amount into several equal installments, and the cardholder will repay the loan monthly within the agreed period and pay a certain handling fee. Cardholders can also choose to apply for installments 1, 3, 6, 12, 18 and 24.