The conclusion is that car purchases can be realized indirectly through credit cards, usually through car loans. For example, China Merchants Bank's e-flash loan allows consumers to promise to use the money for car purchases, but it must be clearly for consumption and does not include investment. If financial conditions permit, you can pay by credit card first, but you may need to bear additional interest. If funds are tight, most dealers offer interest-free loans, such as Skoda's 2-year 0-interest loan, which can save interest. When buying a car, the down payment can usually be as low as 30%, but other costs such as purchase tax, insurance and registration need to be considered. Taking a naked car price of 100,000 as an example, after a 30% down payment and other expenses, the total down payment may exceed 50,000. Therefore, when buying a car, be sure to plan a loan based on your personal income to avoid excessive repayment pressure.