It doesn't have to depend on whether BYD pays the car loan with a savings card or a credit card. Depending on the channel through which users apply for car loans, different loan channels need different cards for repayment, as follows:

1. Users who purchase cars by installment with credit cards will use credit cards for car loans when repaying their loans. This card can only be used for repayment and cannot be used for other purposes.

2. Debit cards are usually used for car installment loans handled by banks or auto financing companies. Before the repayment date of each month, the user will deposit the repayment amount into the repayment account, and the system will automatically withhold it.