CCB's credit card installment bank does not need to provide spouse information, only personal information, so there is no need to inquire about the spouse's credit record. The landlord brings his credit card, ID card, work certificate or real estate license to the cooperative 4S shop to fill in the application form for installment car purchase. Then the 4S shop will hand over the information to CCB, and after the application is passed, you will be notified to pay the down payment at the 4S shop and go through the relevant procedures; Wait for the 4S store to inform you that you can pick up the car, and then pay the final payment by credit card. Pay back the money to CCB credit card in installments every month. The competition in this kind of business is fierce, and the specific approval criteria will not be announced, so after you submit it, the bank will approve it. Specific processing flow, as shown in figure: