1. "I am willing to provide Party B with a counter-guarantee mortgage with the property I have the right to dispose of as the above guarantee" means that the 4S store is already looking for you to buy a car with them using a credit card installment payment. The guarantee company (or the 4S store itself) has guaranteed your business, but in order to reduce the risk, the guarantee company (or the 4S store) requires "all the assets you have the right to dispose of" to counter the guarantee company (or the 4S store). The guarantee does not include assets that you do not have the right to dispose of (such as the assets of your family, the assets of your spouse’s family, etc.).

2. "This contract is independent of the main contract and will not be invalid due to the invalidity of the main contract. If the main contract is invalid, Party A shall still bear the mortgage guarantee liability stipulated in this contract." This article complies with the Guarantee Law special agreement. In other words, this guarantee contract is a counter-guarantee contract with joint and several liability. If the loan contract is terminated because you fail to repay the monthly payment, the guarantee company (or 4S store) repays the car purchase payment for you on behalf of the bank, but The counter-guarantee contract signed between you and the guarantee company (or 4S store) will not become invalid due to the termination of the loan contract.

3. "Party B applies for a credit card at the bank to purchase a car, and Party A provides a mortgage guarantee"? Is this written backwards?

I want to ask you whether you have the credit card in your hand and whether the name on the credit card is your name. If it is your name, there is a problem with the above sentence. It should be written as "Party B is assisting Party A's bank in handling credit card car purchases and providing mortgage guarantee for Party A." This way it will be easier to understand.

The car purchase loan has not been approved, and the guarantee contract, the car purchase contract, and the loan contract with the bank have not taken effect. The guarantee contract is an accessory contract and will definitely not take effect in this case.