Due to the limited credit limit of general credit cards, the issuing bank will generally require the cardholder to provide proof of financial resources. The sources of funds recognized by the bank include real estate license or commercial housing sale (pre-sale) contract, purchase invoice, etc. Some banks require a credit card overdraft limit of 654.38 million to 200,000 yuan, and some banks allow cardholders with good credit to apply for credit lines to buy cars in installments.

Obviously, more and more banks will launch credit card installment car purchase business nationwide with the needs of customers. At present, there are China Construction Bank's Longka installment car purchase business, China Bank's car loan service, China Merchants Bank's car purchase service, Minsheng Bank's car purchase service, China Industrial and Commercial Bank's peony card installment car purchase service, and some local city commercial banks' installment car purchase services, such as Hankou Bank and Bank of Ningbo.

However, each bank has its own threshold: China Merchants Bank has to pay more than 30% down payment before it can be phased, while ICBC says it can be phased in full. Some banks can also get zero handling fees for some models. In addition, different models have different installment rates in different periods, and some banks only have designated models for installment.