2. Apply to ICBC outlets or designated car dealers for credit card installment car purchase (just submit the required materials);

3. ICBC accepts and reviews the application business;

4. The customer pays the car down payment to the car dealer;

5. After passing the audit, ICBC signs contracts such as loans and guarantees with customers;

6. ICBC issues loans, and the bank directly transfers the money to the car dealer's account;

7. You can pick up the car after handling auto insurance and other businesses;

8. Repay ICBC on time by credit card every month.

Tips: Choosing a credit card to buy a car by installment will not only enable car buyers to enjoy the low interest rate policy, but also reduce the possibility of being cheated. In particular, we should pay special attention to the propaganda of "0 down payment for car purchase", "0 interest rate" and "1 yuan loan to buy a car", so as not to fall into the trap designed by car manufacturers and loan intermediaries easily. In order to increase sales, some car manufacturers and intermediaries actually provide these concessions on the basis of raising car prices and increasing agency fees, and even more, they cheat consumers.

In addition, Bian Xiao suggested that the installment fee rate of ICBC Peony Credit Card should be 3.9 1% for one year, 7.62% for two years and1/0/.28% for three years.