Because in this way, banks can not only complete the sales performance of credit cards, but also handle loan business for customers, which belongs to a bundled business of banks. Of course, there is no charge for this business, and there is no charge for not activating credit cards. Compared with the interest of direct loans, the interest of credit card loans is less. And this credit card issued by China Bank is an exclusive car loan credit card.
Auto loan funds are directly approved to the credit card. This card is a special card and can only be used for car purchase. Later, the repayment was also made with this credit card. The customer returns the money to the card, and the system deducts the money on the repayment date. When the customer pays off the car loan, this card is generally useless.
Not only China Bank, but also many other banks will issue exclusive car loan credit cards to car loan users, which can actually improve the card issuance rate of banks.
And if the customer handles the car purchase business by credit card installment, then the approved card is naturally a credit card, not a debit card. After all, the car was purchased in installments with a credit card limit.
In fact, whether it is a car loan credit card or a Zhang Zhongxing debit card, customers should remember to repay on time to ensure that there are no bad behaviors such as overdue during the repayment period.
Pay attention to the following points when repaying car loans with credit cards:
First, the credit card can't pay the down payment of the car;
Second, there is a one-time handling fee for credit card car purchase, which needs to be paid at the first repayment;
If the buyer pays the money in advance, the one-time handling fee will not be refunded.
At present, this loan car purchase method is very popular with car buyers, but the credit card repayment of car loans is very important to the credit status of cardholders. If the credit card customer is in poor condition and has a record of overdue or arrears, this loan method cannot be approved. You must hold a bank credit card for a certain period of time and have a certain credit limit.
In this way, the bank does not charge interest on the loan, but it has to pay a certain handling fee, which is generally deducted by the bank at one time. The amount of handling fee is generally determined by the loan term and loan mode. 1 The handling fee charged during the loan period is about 2%-5.5%, and the handling fee charged during the two-year loan period is between 6.5% and 7%. Major banks may be different, and car owners can go to the bank for consultation.
Why do banks handle credit cards for customers who borrow money to buy cars?
In order to complete the credit card task, it is a bundled business for banks to handle credit cards for customers. This service is free. There is no charge if you don't use it or activate it. \ r \ n \ r \ Auto loan refers to the loan granted by the lender to the borrower who applies for buying a car, also called automobile mortgage. \ r \ Loan target: The borrower must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct. \ r \ Loan conditions: The borrower has a stable job, the ability to repay the loan principal and interest, and good credit; Can provide recognized assets as collateral or pledge, or a third person with sufficient compensatory ability as a guarantor to repay the principal and interest of the loan and bear joint liability. \ r \ Loan amount: The maximum loan amount generally does not exceed 80% of the selling price of the purchased car. \r\n Loan term: The loan term for general automobile consumption is 1-3 years, with a maximum of 5 years. \ r \ Loan interest rate: uniformly stipulated by the People's Bank of China. \ r \ Repayment method: One-time repayment of principal and interest and installment repayment (equal principal and interest, equal capital) can be selected. \ r \ The auto financing or guarantee company, as a third party that repays the loan principal and interest as a guarantor and assumes joint and several liabilities, has sufficient compensation capacity.
What does the owner's credit card mean? Only people with cars can handle it.
Some netizens left a message asking what the owner's credit card means and whether they need a car to handle it. We all know that major banks issue different types of cards according to the needs of different groups of people, and the owner's credit card is one of them. Today, I will give you a detailed introduction to what kind of card the owner's credit card is.
First of all, as the name implies, the owner's credit card is issued for the owner. In addition to the basic functions of the credit card itself, other related value-added rights and interests are centered on automobile services. For example, vehicle maintenance, repair, auto insurance, road rescue, refueling concessions, car wash concessions and so on. Therefore, it is also decided that to apply for the owner's credit card, there must be a car under the applicant's name.
Next, take CCB owner card, namely CCB Longxing Automobile Card, as an example to introduce the owner credit card in detail.
Related rights and interests of CCB Longxing Automobile Card:
1, integral double oil change
Credit card spending points can be doubled for refueling fees, starting from 50,000 points, an integer multiple of 1 0,000, and the conversion ratio is 4‰, that is, every 1 0,000 points can be converted into 4 yuan RMB;
2. Preferential car wash service
Longka car card consumption meets certain conditions and can enjoy preferential car wash service once a week at designated car wash outlets. When the car wash price is equal to or lower than 15 yuan, the cardholder can enjoy zero-cost car wash; If it exceeds 15 yuan, the cardholder shall pay for the excess. You can choose to redeem points, that is, 4 yuan 1 0,000 points, or pay in other ways;
3. Free road rescue
See here, do you understand what the owner's credit card is?
Why do you need a credit card when you have a car? Let's stop here.