First, when you make a down payment of 30,000 yuan, you should apply for installment payment. At this time, you should call the credit card customer service of Bank of China or Bank of Communications to ask if you can swipe 30,000 cards in the 4s shop for installment, but it is generally not easy to pass. Please swipe your card after confirmation. At this time, it depends on whether you meet the basic requirements of car loan, such as good credit record, such as whether you have certain repayment ability and so on. You need to apply for a bank loan review.