When users apply for a car loan from a bank, they usually use a credit card (debit card) to purchase a car in installments, so the car loan card is usually a credit card (debit card). The limit of the car loan card is a special limit, which can only be used to pay the final payment of the car purchase and cannot be used for other consumption. Therefore, after the car loan is paid off, if the car loan card has a limit that can be used for ordinary consumption, the user can choose to keep the car loan card.

If the car loan card has no available limit after paying off the car loan, and the user needs a useful card, the user needs to cancel the car loan card and reapply for a new credit card (debit card).