1) If you use CCB's credit card to buy a car in installments, you need proof of financial resources (such as income certificate or real estate license). Of course, some car dealers will forge income certificates for you to sell. But in any case, you must pay the down payment (30% of CCB) (cash, not credit card; Only after the examination and approval, can you pay the final payment by credit card when you pick up the car); The handling fee shall be repaid in the first month of installment; Moreover, the installment car must be fully insured, and the insurance period should be the same as that of the installment card (the bank is afraid that if something goes wrong during this period, you can't afford it, and the insurance company will pay for it).

2) Your current credit limit is relatively low. If you want to apply for installment payment, you must have financial proof. As for the result, look at the bank.

3) You can choose a guarantee company to pay 0 down payment to buy a car. The situation varies from place to place, and the handling fee and process are also different.