We can answer your questions based on your situation: Even if your credit card has expired, you can still purchase a vehicle in installments.

Details are as follows:

1. The bank will first comprehensively consider the overall credit status of the applicant, including credit card repayment history, credit rating, etc. If you have only had a past due record for a certain period in the past and are otherwise in good credit standing, the bank may be more lenient when reviewing your application.

2. The bank will comprehensively evaluate whether you are able to repay the installment payment based on your income and existing liabilities. If your income is stable and you can meet the repayment requirements, the bank may agree to your application for installment car purchase.

3. The bank may have certain restrictions on your loan amount or interest rate. Because you have a history of overdue credit cards, the bank may limit your loan limit or increase your loan interest rate. This is to take appropriate protective measures in terms of risk control.

4. When applying for installment car purchase, it is recommended that you provide other credit-enhancing measures, such as providing a guarantor or increasing the down payment ratio, to increase the success rate of the application.

5. In short, although you can purchase a car in installments even if your credit card is overdue, it still needs to be evaluated based on comprehensive factors such as personal credit status and financial ability. There may be certain restrictions on whether the application is successful.

Extended information:

An overdue credit card will not directly lead to the inability to purchase a car in installments. When banks review and approve car loan applications, they generally consider the applicant's overall credit status, including credit card repayment records, credit reports, income status, etc. If you have had a past due record in the past, but have good credit performance in other aspects, and have a stable income that can meet the repayment requirements, the bank may approve your application for installment car purchase.

It should be noted that even if the bank agrees to your application, there may be certain restrictions on the loan amount or interest rate. Because an overdue credit card record may increase your risk of applying for a car loan, the bank may limit your loan amount or increase the loan interest rate to reduce the risk. Therefore, when applying, if there are other credit-enhancing measures, such as providing a guarantor or increasing the down payment ratio, it may help increase the chance of a successful application.

Summary:

If your credit card is overdue, you can still apply for installment car purchase, but factors such as personal credit status, financial ability, loan limit and interest rate will all affect the application result. Make an impact. It is recommended to provide other credit enhancement measures when applying and ensure repayment ability to increase the chance of successful application.

The above is an answer based on common bank installment car purchase policies. The specific situation may vary depending on personal credit status, bank policies and other factors. It is recommended to consult and communicate with the bank before actually applying.