1. Why does a car loan bank apply for a credit card to a customer?

A car loan bank applies a credit card to a customer, which is a process that the bank performs on the car loan customer in order to complete the credit card task. A bundled business. There is no charge for this service. If it is not used or activated, no fee will be charged. \r\n\r\nCar loans refer to loans issued by lenders to borrowers who apply to purchase cars, also called car mortgages. \r\nLoan target: The borrower must be a permanent resident of the location where the loan bank is located and have full civil capacity. \r\nLoan conditions: The borrower has a stable career and the ability to repay the principal and interest of the loan, and has good credit; can provide recognized assets as collateral or pledge, or a third party with sufficient repayment capacity to repay the principal and interest of the loan and bear joint and several liability. Liability guarantor. \r\nLoan amount: The maximum loan amount generally does not exceed 80% of the purchase price of the car. \r\nLoan term: The term of automobile consumer loans is generally 1-3 years, with a maximum of no more than 5 years. \r\nLoan interest rate: uniformly stipulated by the People's Bank of China. \r\nLoan repayment method: You can choose the one-time principal and interest repayment method or the installment repayment method (equal principal and interest, equal principal). \r\nAn automobile finance or guarantee company is what is mentioned in the article - a third party with sufficient repayment capacity serves as the guarantor for repaying the principal and interest of the loan and assumes joint liability.

2. Why do car loan banks need to apply for credit cards for customers?

Car loan banks provide customers with credit card tasks and are a bundled business for car loan customers. There is no charge for this work.

A car loan refers to a loan issued by a lender to a borrower who applies to purchase a car, also called a car mortgage.

Loan target: The borrower must be a permanent resident of the location where the loan bank is located, with full citizenship

Loan conditions: The borrower has a stable career and the ability to repay the principal and interest of the loan, and has good credit; Able to provide recognized assets as collateral and pledge, repay the principal and interest of the loan and assume joint and several liability

Loan amount: 80% of the loan amount.

The loan term is generally 1-3 years, with a maximum of 5 years.

Loan interest rate: uniformly stipulated by the People's Bank of China.

Loan repayment method: You can choose the one-time principal and interest payment method or installment repayment

The automobile finance or guarantee company is the third party in the article with sufficient repayment ability. The guarantor is jointly and severally liable for repaying the principal and interest of the loan.

3. When I applied for a car loan, what does it mean when I received a text message and the bank sent me a credit card?

See if it is two credit cards or one of them is a debit card. Some banks will directly open a savings card with you when you apply for a credit card, so that you can associate it with automatic repayment.