Apply for a loan from China Construction Bank to buy a car, and the bank will send a credit card with a line of 10000 yuan:
1. When doing loan business, the bank saw that the customer's conditions were good and filled out a credit card application form for the customer, killing two birds with one stone. If you don't want to use it, you can choose not to activate it.
2. Another possibility is the installment business of CCB credit card car purchase handled by customers. This credit card is used to pay the monthly installment of car purchase. The bank will send a bill every month to inform the repayment amount of each installment, and deposit it directly into this credit card before it expires. If so, the final payment of the car purchase is to swipe this credit card.
Solution:
Call the customer service hotline of CCB credit card to find out whether this card has handled the installment business of car purchase, so as to avoid delaying repayment and damaging credit.
Buying a car by stages means that the cardholder agrees to pay the down payment (the down payment is the net car price minus the approved amount) and applies to CCB for using his dragon card (excluding business card, student card, supplementary card and security card) to buy a family car at the dealer designated by the bank. After approval, the actual installment amount will be divided into several installments on average, and the cardholder will repay each month within the agreed time limit and pay a certain handling fee.
Excuse me, I applied for a car loan and received a text message. What does it mean that the bank sends me a credit card?
Users apply for car loans from banks. After the approval of the bank, the bank will issue a credit card to the user. This credit card is used to pay back the car loan every month. Banks generally don't accept car loans, but they have the business of buying cars by credit cards, that is, buying cars by credit cards, so they use credit cards as repayment bank cards. This is a car installment business handled by credit card, which can also be understood as similar to car loan. It means that the credit card has approved a large amount of special installment payment, and it can be repaid directly to the card without activation. The credit card letter will indicate the billing date of each month, and the repayment date of each month is the 20th day after the billing date. The repayment date of each month is fixed. When the first month's bill is issued, you should receive a text message to remind you to repay it.
In addition, users must pay back their credit cards on time every month. Unless there is an agreed grace period for repayment, there will be a credit report on the overdue day.
First, the credit card installment car purchase process
(1) filing an application. After you are optimistic about the vehicle to be purchased, fill out the Application Form for Automobile Consumption Loan and the Credit Status Questionnaire, and submit them to the loan bank together with the relevant certificates of personal situation.
(2) The bank conducts pre-loan investigation and approval. If the loan conditions are met, the bank will promptly notify the borrower to fill in various forms.
(three) notify the borrower to sign the loan contract, guarantee contract and mortgage contract, and go through the mortgage registration and insurance procedures.
(4) Loans issued by banks (directly transferred by banks to the account of automobile dealers).
(5) The borrower pays the down payment to the car dealership, and handles the car pick-up formalities with the passbook and the car pick-up note issued by the bank.
2. Materials required for car purchase by credit card installment:
1. Apply for a credit card first;
2. Give you a loan to buy a car according to your credit history (that is to say, you have to activate the card when you get it, then use it for a while, swipe your card frequently, and then pay back the money on time. Don't fail to pay back the money. Good credit record);
3. Each bank cooperates with the designated car dealer, which means that you can only choose the car brand provided by the bank, and then choose the loan period according to your own economic situation (only 1 year, 2 years, 3 years);
4. Then go directly to the bank outlet to find the account manager, who will handle it for you, usually within 15 working days.
What's the use of a loan to buy a car and a bank to send me a credit card?
This is just a marketing tool, because the bank's credit card task is relatively heavy, so people who usually handle loans will let you get a credit card. You can cancel it if you don't use it, and use it if you want!
I bought a car by installment and put it in the bank. Why did I give another credit card?
This should be the routine of banks. The so-called road you take is someone else's routine, especially when you buy a car with a loan. First, they can earn fees, and then they can promote their credit card business. Anyway, you can't help but praise Party B within the scope of the rules. Sometimes it's easy for you to be routine under unequal conditions. You can do your homework online next time to avoid into the pit.
So much for the introduction of buying a car and sending a credit card.