1. If I have a credit card in my name, can I apply for a loan to buy a car?

1. If you have a credit card in your name, you can apply for a loan to buy a car.

2. Credit cards cannot have overdue records. 3. Provide your own bank salary statement. 4. Many banks and 4S stores have cooperation, and car loans are very simple to apply for.

2. If I have a credit card in my name, can I apply for a loan to buy a car?

There are ways to deal with overdue credit cards:

1.

First of all, if the repayment time has passed, repay the loan as soon as possible to ensure that the debt is made up

2.

Contact the bank account manager to see if there is an overdue record and whether it can be rectified in time. . Because generally banks will not produce overdue payments when the repayment exceeds the repayment date

3.

If there is an overdue record, the card cannot be canceled, otherwise the overdue record will be recorded , continue to use the credit card, remember to repay in time, spend more, and repair the limit;

4.

Make sure that the mobile phone and telephone contact are smooth, because before the credit card becomes overdue, there may be bank customers The manager will remind you to pay back the money in time, so as to avoid

5.

Never stop paying back the money, it will disappear and the bank will not be able to contact you. Because of the credit card debt, the interest will roll over and the interest will roll over, which is very scary. It is even possible to pay back 50,000 yuan. The bank will enforce it;

6.

Product Five No more overdue records can occur within a period of years. After five years, overdue records will be cleared. At the same time, if you want to buy a house or otherwise need personal credit information, you can consider negotiating with the bank and ask it to show you a non-malicious overdue record and the bank will lend you a loan.

3. Can I buy a car with a credit card? Is a down payment required?

You can buy a car with a credit card, but each bank has its own threshold: China Merchants Bank requires a down payment of 30% of the remaining car payment before installment, while ICBC says it can pay in full. Some banks offer zero handling fees for some models. In addition, the installment rates for different car types and periods are different, and some banks only offer installment for designated car models.

Procedural procedures:

(1) Submit an application. After you are optimistic about the vehicle you want to buy, fill out the car loan application form and credit rating questionnaire, and submit them to the lending bank together with relevant proof of your personal situation.

(2) The bank conducts pre-loan investigation and approval. If the bank meets the loan conditions, it will promptly notify the borrower to fill in various forms.

(3) Notify the borrower to sign a loan contract, guarantee contract, mortgage contract, and handle mortgage registration and insurance procedures.

(4) The bank issues a loan (directly transferred from the bank to the car dealer's account).

(5) The borrower will hand over the down payment to the car dealer and go through the procedures for picking up the car with the passbook and the car delivery note issued by the bank.