If you pay the car payment directly with your credit card limit, you can apply for bill installment (up to 90% of the total amount can be applied for installment), and the maximum period is 24 installments. The current handling fee for this amount is 12% off discount, 24 periods, the handling rate after the discount is 0.51%. Calculated:

Handling fee: 40000*090%*0.51%=183.6 yuan/month, total handling fee for 24 months: 183.6*24=4406.4 yuan

This Fund: 40000*90%/24=1500 yuan, the average monthly repayment is: 150183.6=1683.6 yuan. Attached picture: Bill installment application method and base interest rate