No need. China Merchants Bank's credit card installment purchase, also known as car purchase convenience, means that China Merchants Bank provides a certain amount of installment quota according to the credit status of credit card holders, so as to meet the needs of cardholders to purchase designated brand cars during the disposal period of designated dealers. Cardholders can repay the car purchase money in monthly installments only by paying a certain handling fee, which is a new car loan model that fully relieves the repayment pressure.