1. Can I get a credit card if I have a car loan?
Of course. Although the car loan is a kind of personal debt, the repayment ability of the person who can approve the car loan for the bank has been recognized. The car is also a kind of financial proof, which is equivalent to mortgage guarantee, and the bank is more assured to approve the card.
However, the applicant's car loan repayment in advance is good, and there is no overdue record in the first half of the year, which is conducive to handling credit cards. Also pay attention to the number of credit cards in your hand. For example, if CCB has more than five bank credit cards, it will not be handled.
Second, what kind of car loan credit card do you have?
It must be the first choice for car owners' credit cards. You can refer to these models:
1) Guangfa Owner Card: It is specially tailored for private car owners, providing all-round benefits and services for car owners and their cars, and enjoying many functions and benefits such as maximum 12% cashback, free100km road rescue service, free high accident insurance and so on.
2) Ping An Bank Owner Card: It is easier to get rid of the card when you buy Ping An auto insurance, and you can enjoy a 28% discount when you refuel. You can return to 720 yuan all year round, and enjoy free 30km road rescue service and car owners' services such as the highest165438+100000 vehicle accident insurance, with a maximum insured amount of 50000 yuan. You can apply for it for free with your ID card.
3) hengfeng bank Owner's Credit Card: If you activate and spend any amount, you can get free car wash rights and 200,000 self-driving car insurance rights with a guarantee period of 7 days per month. On June 30, 2020, if the monthly consumption is 3,888 yuan, you can enjoy off-line credit card refueling and return 15% refueling money; Cardholders who spend a total of 4,888 yuan in the current month can participate in the lucky draw in the next month and have the opportunity to win the 50 yuan Refueling Fund.