Of course not, because your credit card is specially used to buy a car, and it is paid in installments. This credit line will not be fixed, but it will not occupy the credit lines of other credit cards of CCB. It is an independent credit limit, and credit cards can only be used if they are activated. Is your card activated?

Excuse me, I applied for a car loan and received a text message. What does it mean that the bank sends me a credit card?

It's used to pay off the car loan. It's a car loan credit card, generally limited to one yuan, and you can't spend it by credit card. Dedicated to repayment. After the car loan is paid off, it needs to be cancelled. For details, please consult the car loan handling personnel. Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers. The term of automobile consumption loan is generally 1-3 years, and the longest is no more than 5 years. Among them, the term of second-hand car loan (including extension) shall not exceed 3 years, and the term of dealer car loan shall not exceed 1 year. Benchmark interest rate According to the regulations of the central bank, the benchmark interest rate is implemented for auto loans, but financial institutions can float within a certain range of the benchmark interest rate. The term of auto loans in major banks is generally less than five years, and the interest rate of auto loans directly determines the cost of people's loans and becomes an important factor in determining whether people lend. How to calculate the monthly car loan interest rate The formula is: a = p (1i) [(1i) n-1]/n2/ia: monthly contribution p: total contribution i: monthly interest rate (annual interest rate/12)n: According to the benchmark loan interest rate stipulated by the central bank, customers with excellent general conditions can enjoy the benchmark interest rate or float down about 10%, while ordinary customers need to float up about 10% on the basis of the benchmark interest rate. Personal loan car purchase business is divided into direct customers, indirect customers and credit card car loans. The direct customer type is generally a bank car loan for customers to meet directly, and the indirect customer type is generally a car loan from an auto finance company to a customer car loan. The fees charged by banks for direct car loans include deposit, principal and interest, and 3% guarantee fee. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different. In addition to the above fees, the car loan of individual auto financing companies also needs to bear the supervision fee, fleet management fee and warranty renewal deposit. And credit cards, car loans. Credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is an audit procedure, which is difficult for credit card users with bad credit records. The specific steps of buying a car by credit card are roughly as follows: 1. The cardholder (or applicant) calls the credit card center of the bank or goes to the local bank to find out whether he can apply for a credit card car loan. 2. The cardholder will fill in the installment order of car purchase at the dealer with his ID card, and the bank background will review it. 3. After the order is approved, the cardholder pays the down payment and goes through the normal car purchase procedures. 4. After the vehicle is licensed, the cardholder needs to go to the bank to go through the mortgage formalities and purchase the required auto insurance. Finally, I can drive the car away smoothly.

3. CCB car loan and credit card? Sent me two. What the hell?

This is the car installment business handled by credit card. You can also understand it as a car loan, that is, a large amount of special installment payment is approved on the credit card, and you can repay it directly to the card without activation. The credit card letter will indicate the monthly billing date, and the monthly repayment date is the 20th day after the billing date. The repayment date of each month is fixed. When the first month's bill is issued, you should receive a text message to remind you to repay it.