If you owe 80 thousand yuan on your credit card, you can get a car loan, and the loan amount will be evaluated according to your debt. In other words, if the credit card debt is not paid off and overdue, you can borrow money to buy a car. However, if the credit card arrears are overdue, it will be more difficult for banks or lending institutions to pass the audit.

Banks or lending institutions will comprehensively consider the lender's economic strength, repayment ability and personal situation before deciding whether to lend or not. Generally, the following materials are required to buy a car by loan: 1, valid personal identity documents, including household registration book and resident identity card, and proof of spouse's identity is required for the lender who is married; 2. Certificate of intention to buy a car issued by the car dealer; 3. Personal income certificate, some need to provide proof of family income or property.

According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.