To purchase a car with a CCB credit card, you need to have a sufficient limit, and the car purchase limit is determined by the bank card review. The specific review steps are as follows:

(1) Submit an application. After you are optimistic about the vehicle you want to buy, fill out the car loan application form and credit rating questionnaire, and submit them to the lending bank together with relevant proof of your personal situation.

(2) The bank conducts pre-loan investigation and approval. If the bank meets the loan conditions, it will promptly notify the borrower to fill in various forms.

(3) Notify the borrower to sign a loan contract, guarantee contract, mortgage contract, and handle mortgage registration and insurance procedures.

(4) The bank issues a loan (directly transferred from the bank to the car dealer's account).

(5) The borrower will hand over the down payment to the car dealer and go through the procedures for picking up the car with the passbook and the car delivery note issued by the bank.

China Construction Bank will decide whether to pass the approval and the approved amount based on the cardholder’s credit record and consumption behavior. There is no car loan interest rate when purchasing a car with a credit card. The bank only charges a handling fee. The maximum credit limit does not exceed 70% of the car price for fund application. For the specific amount, you can enter the official website of China Construction Bank and check online immediately, or call the customer service center staff to help you check.

Warm reminder: China Construction Bank stated that if the loan is used to purchase a car, you can only choose a credit card loan. Bank of China's credit card car loan interest rate fee is up to 12. The China Construction Bank stated that it is related to the relevant regulations of the car dealers, and the approximate interest rate is 3-9. The loan limit of banks that provide car loans is 70% of the net price of the car, and the handling fee is a one-time deduction. To apply for a loan, repayment must be made through a credit card, and the borrower is also required to provide relevant certificates such as a real estate certificate.