Can I use a credit card when buying a car?

You can use a credit card when buying a car. Before you swipe your card, make sure that your credit card is available enough to buy a car. Otherwise, you'd better call your bank and apply for a temporary increase in the quota.

at the same time, we should know that some 4S stores may charge 5 yuan a "credit card transaction fee". At the same time, after swiping the card, a customer service will call you in the bank's large-value monitoring system to confirm your consumption.

Most car buyers choose three ways to pay by credit card:

Method 1: Pay a down payment by buying a car credit card according to their income. Recommended index 1 star _

For example, if I want to buy a car, the down payment is 4, yuan, and the monthly interest on the loan for three years is 2,5 yuan.

Then, if I pay back my credit card in this year, the amount I need to pay back every month is:

3,333 yuan, 2,5 yuan = 5,833 yuan. (excluding credit card installment interest)

If I pay off my credit card within two years, the amount I need to pay back every month is:

1,666.5 yuan 2,5 yuan = 4,166.5 yuan. (excluding credit card installment interest)

This is the part that the light car needs to pay back every month.

When you get the car, your monthly gas bill, maintenance fee, ticket, minor bump, etc. will be calculated as 1, yuan per month:

Your monthly expenses are 6,833 yuan and 5,166.5 yuan respectively. This is the cost of a car per moonlight.

This brush method is suitable for white-collar workers whose monthly salary is above 1w or car buyers who want to pay all the car money quickly, but pay special attention not to brush it so hard, because it will be very troublesome if the funds can't keep up later.

method 2: use a credit card to brush part of the down payment, which is less stressful. The recommended index is 3 hearts ___

According to the above example: the car buyer pays 2, down payment and swipes 2, credit cards:

The amount to be paid back every month when paying off the credit card in one year is:

1,666 yuan 2,5 yuan = 4,166 yuan (excluding credit card installment interest)

The amount to be paid back every month when paying off the credit card in two years is:

833 yuan 2,5 yuan. Your monthly gas bill, maintenance fee, ticket, minor bump, etc. are calculated as 1 yuan per month: < P > Then if you want to provide a car, the monthly amount you need is 5166 yuan and 4333 yuan respectively.

this will be much better than the situation where you pay the down payment in full with your credit card, and the pressure will not be so great.

This brush method recommends small white-collar workers with stable income.

mode 3: credit card is not used for down payment, and credit card is used for car mortgage payment in installments. Recommended index 4 hearts _ _ _

The above two methods both use credit cards to pay a part of the down payment, which means that you need to bear two parts of the car installment fee and the credit card installment fee every month, and both of them are relatively rigid, but one advantage is that the down payment will not be so much, and there is little pressure in the early stage.

If your monthly car installment fee is 2,5 yuan, if you don't have enough funds in that month, you can use a credit card to pay for it, which is virtually equivalent to extending the installment time for you. It is more flexible, and the pressure of repayment in the later period is not great, but the disadvantage is that the pressure of down payment in the early period is more prominent.

this usage is suitable for people who work in the off-season and peak season, or who don't like car buyers who are under too much pressure in the later period. Especially suitable for young car buyers.

if you buy a car, it will be a consumer product. It is not your fixed asset, nor will it appreciate in value there like a house. It will consume oil and need maintenance and possibly repair. Therefore, when buying a car, you must choose according to your own ability, and how to swipe your credit card.

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Can I buy a car with a credit card?

yes.

Nowadays, many people buy cars with credit cards, and many banks also offer credit card installment preferential activities. However, this kind of credit card installment introduced by the bank is different from buying a car with a credit card. This kind of installment by the bank within one year can be zero interest and zero handling fee.

use the credit card to buy a car directly, and then apply to the bank for installment repayment, so the monthly interest will be very high. This way of buying a car is really not recommended.

Precautions for buying a car

For most people, a suitable brand is very important. For example, some people like Japanese cars, some like German cars and some like domestic cars, while others like unpopular Korean and French cars. Every car series has its unique highlights, and we need to find our favorite car brand.

models can be divided into cars, SUVs, MPVs, crossover cars, hatchbacks and so on. we need to choose the most suitable models according to our personal needs and preferences. For example, individuals can choose small and flexible hatchbacks, family users choose SUVs with large space, and second-child families can choose daddy models like MPV.

can I use a credit card when buying a car?

yes, provided that your credit card is available enough to pay for the car.

However, the credit card installment purchase method is more convenient, with lower threshold and the lowest handling fee. You can pay in full by credit card when you buy a car, and then apply to the bank for bill installment. The premise is: your credit card is available enough to pay for the car. Most car dealers support buying a car by credit card, but the difference is that the banks that specify cooperation by stages are different, so be sure to ask the merchant before buying, whether the bank credit card you hold can buy a car by stages.

1. Car loan refers to the loan granted by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers.

the interest rate of automobile consumption loan refers to the ratio between the loan amount and the principal paid by the bank to consumers, that is, borrowers, for purchasing self-use cars (non-profit-making family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers. The term of automobile consumption loan is generally 1-3 years, and the longest is no more than 5 years. Among them, the loan period of second-hand car loans (including extension) shall not exceed 3 years, and the loan period of dealer car loans shall not exceed 1 year.

2. The specific steps of buying a car by credit card are as follows:

1. The cardholder (or applicant) calls the credit card center of the bank or goes to the local bank to find out whether he can apply for a credit card car loan.

2. The cardholder holds his/her ID card and goes to the dealer to fill in the installment order for car purchase, which will be submitted to the background of the bank for review.

3. after the order is approved, the cardholder pays the down payment and goes through the normal car purchase procedures.

4. After the vehicle is licensed, the cardholder needs to go through the mortgage formalities with the bank and purchase the required auto insurance.

5. finally, we can drive our car away smoothly.

3. Personal loan car purchase business can be divided into direct customer, indirect customer and credit card car loan.

direct customer service is generally a bank car loan for customers to meet directly to make loans, while indirect customer service is generally a car loan for auto finance companies to transfer customers' car loans. For direct bank car loans, the fees charged are deposit, principal and interest, 3% guarantee fee, etc., and the bank's premium customer fees will be discounted, but the preferential policies of each bank are different. In addition to paying the above fees, the car loan of an individual car finance company also needs to bear the supervision fee, fleet management fee and warranty renewal deposit, and there is also a credit card car loan. The credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is also an audit procedure, which is difficult for credit card users with bad credit records to handle.

Can I pay the down payment for a car with a credit card?

Yes, but it should be noted that you don't just swipe your credit card to buy a car. It is best to purchase through car loans, usually through credit cards. To handle this kind of business, take China Merchants Bank's e-flash loan as an example, I need to promise that the proceeds will only be used for consumption (including but not limited to decoration, home appliances, weddings, car purchases, etc.) and not for non-consumption and investment fields.

Credit cards are also called debit cards, which are credit certificates issued by commercial banks or credit card companies to qualified consumers. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

according to different card issuers, it can be divided into bank cards and non-bank cards

bank cards. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or withdraw cash at any time at all branches of the issuing bank or places with ATMs.

non-bank card.

this kind of card can be divided into retail credit card and travel and entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are dedicated to shopping in designated stores or filling gas stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by service industries, such as airlines and travel companies, which are used for ticket purchase, dining, accommodation and entertainment.

according to different issuers, it can be divided into corporate cards and personal cards

corporate cards. Corporate cards are issued to all kinds of industrial and commercial enterprises, scientific research and education institutions, state party and government organs, military units, organizations and other legal organizations.

personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. Personal cards are applied for in the name of individuals and bear all the responsibilities of using them.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary cards. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and their requirements are not high.

gold card.

the gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are those with high credit, strong repayment ability and credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are much wider, so the requirements for related service fees and guarantee money are also higher.

Can I use a credit card when buying a car?

Not necessarily. First of all, it depends on which bank's credit card you are, because each bank uses credit cards differently. For example, some banks' credit cards are not counted as points when buying a car, and they have more money on their credit cards, so they are not counted as points when spending. In addition, some credit cards also limit the number of credit cards. Generally speaking, the amount of one-time consumption does not exceed 2, yuan. I suggest you call the credit card customer service number first to avoid unnecessary trouble.

The advantages of buying a car and swiping a card are: first, just like swiping a card, you don't need to mention a lot of cash payment, which is very convenient;

second, you can have a repayment buffer period of more than 5 days, that is, you can use the bank's money to buy a car during this period.

the key problem is that ordinary people's credit cards are not high enough to meet the needs of buying a car. In addition, even if you can buy a car in full by credit card, you must repay the same amount of money on the account arrival date. It is absolutely impossible without a certain repayment ability. Otherwise, overdue will add a stain to your credit record and affect your credit rating. what am I supposed to do？

first, you can apply to the bank for adjustment. If you have a good credit record in the bank, which belongs to the gold and platinum level, the bank can consider adjusting the amount for you. However, most people are ordinary credit cards, and their limit is not high. If they want to significantly adjust the amount, nine out of ten banks will not agree.

second, you can use multiple credit cards. Nowadays, many people have multiple credit cards. Credit card can play a "cohesion effect". This method is feasible in theory, but it should be reminded that when you swipe another card, the bank will charge a handling fee, which is about 5 yuan per card. In addition, due to the large number of credit cards and different arrival dates, you are prone to make mistakes in repayment, resulting in overdue.

thirdly, you can deposit money on your credit card. If the amount of the card is not enough, some people will deposit the difference in the card and then swipe the card to buy a car. Generally speaking, most banks are allowed. But there are exceptions For example, according to news reports, the cousin of a netizen in Hangzhou paid 2, yuan to the credit card because of the city's driver's license restrictions. He bought a car by swiping his card in this lady's hometown, but he was told that he could only swipe his card for 3, yuan, or even swipe his card for 2, yuan. In this regard, the bank's explanation is that for real estate, car purchase and wholesale consumption, the daily credit card limit is 3, yuan, mainly to prevent malicious cash from flowing out of the credit card. If you are eager to transfer out again, the bank will also charge a handling fee of .5% of the transfer amount; If you want to cancel this card, the amount on the card will not be transferred out until 5 days. However, according to the author, most banks say that they can basically buy a car by credit card as long as they are within the credit card limit.

therefore, you can buy a car with a credit card. If you want to buy a car with a credit card, you must consider the amount and credit rating on the card. More importantly, you must have strong economic strength and repayment ability as the backing.

Can I use a credit card to buy a car?

It is ok to use a credit card to buy a car. As long as the amount of the credit card is enough to pay the down payment or the full amount of the car, you can use a credit card to buy a car.

There are two ways to buy a car by swiping a credit card:

1. Simply swipe a credit card to buy a car by installments, and apply at the auto loan dealer. Most car dealers support swiping a credit card to buy a car by installments, but the difference is that the banks that specify the installment cooperation are different.

2. Pay in full by credit card. After payment, you can apply to the bank for installment repayment according to your own economic situation. In addition, the credit card limit required for full payment is higher than or equal to the car price.

1. What should I pay attention to when buying a car with a credit card?

1. Buying a car with a credit card depends on the economic situation. If you have the money to buy a car or pay the down payment, you can swipe your credit card first, and you can charge an extra month's interest.

2. if you don't have the money to buy a car, you want to pay by credit card, and then pay back the credit card in installments, which is not cost-effective. Now most car dealers can apply for interest-free loans for two years, and the maximum loan can be 7%.

3. If you use a credit card to pay the down payment for a car purchase, and then buy a car with a loan, you need to use a credit card to pay the down payment for a car purchase because there is no down payment.

4. The loan to buy a car must be based on your income, and don't let the loan repayment bring too much pressure to your life, which will be counterproductive.

second, how to handle the car loan?

1. go to the bank credit department to fill in the application form for bank auto loan and provide relevant information to prove it.

2. Pre-lending investigation and qualification examination of banks.

3. The bank informs the lender to sign loan contract, mortgage contract and guarantee contract, and go through mortgage registration and insurance and other related procedures.

4. issue loans.

5. The lender pays the down payment to the car dealer, and goes through the formalities of picking up the car with the bank documents.

third, is the car loan credit card still useful after repayment?

1. You can choose a credit card loan to buy a car, which is a special credit card for lending a car. If it is a special car loan credit for buying a car.