1. What are the procedures for buying a car with a credit card loan? What are the application requirements?

Credit card loan to buy a car is also one of the popular ways to buy a car. Compared with bank loan to buy a car, the application threshold for credit card loan to buy a car is lower, and there are not so many complicated loan application processes and procedures to prepare. . So, what procedures do you need to prepare for a credit card loan to buy a car? What are the application requirements? Requirements for a credit card loan to buy a car. Buying a car in installments with a credit card is easier to operate than a bank car consumer loan. Cardholders with good credit and stable income can apply for a loan. Generally, there are no restrictions on household registration and property. The specific conditions are as follows: 1. The applicant must be a natural person between 18 and 60 years old, with full capacity for civil conduct; 2. No bad credit record, no cash-out or long-term credit extension and high use of revolving lines, and no excessive debt; 3. The applicant must be a Chinese national or an overseas person who meets the requirements for guarantee-free card application and meet the stability conditions required for card issuance; 4. The applicant must have a stable job or source of income, the ability to repay the principal and interest of the loan on time, and meet the following requirements Any income or income substitution condition specified. Documents required for credit card loan to buy a car: 1. Loan application; 2. Valid identity document, proof of occupation and income, and basic family situation; 3. Certificates or documents required for the lender’s guarantee. When applying for a loan through a dealer, you also need to provide the car purchase Contract or agreement; 4. Other conditions required by the bank. Credit card loan car purchase process 1. After the cardholder selects the car to buy, the dealer confirms whether the car model is within the scope of the credit card loan purchase; 2. The cardholder applies for a credit card installment by phone; 3. Bank The staff will review the application submitted by the borrower; 4. If the review is passed, the loan agreement will be signed with the borrower; 5. The bank will transfer the money to the car dealer's account; 6. The cardholder will handle the car mortgage registration and other procedures; 7. The cardholder can use it when picking up the car.

2. Can I apply for a loan to buy a car if my credit card is overdue three times?

It is recommended that you go to the bank to check if there is a record of the letter. If there is, you may not be able to apply.