1. Credit card function has not expired: after the industrial and commercial credit card car loan card is paid off, its basic function has not expired. As long as the credit card has not expired or been cancelled by the bank, it still has basic functions such as consumption and cash withdrawal.

2. Recovery of available amount: After paying off the car loan, the available amount of the car loan card of the industrial and commercial credit card will be automatically recovered, which means that you can continue to use the card to spend or withdraw cash within the limit.