Credit card loans refer to banks granting a certain amount of money based on the credit card holder’s credit status, and the cardholder can use the credit card to make purchases. Credit card loan repayment methods are divided into two methods: one-time principal repayment and installment repayment. Period is one of the bank credit card consumer credit services, that is, when credit card holders make purchases, they can choose to divide the total price of the purchased goods or services into a number of periods such as 3, 6, 12 or 24 periods. (monthly) installment payment. The bank increases the installment limit of the credit card based on the credit card holder's credit status to meet the card holder's needs to purchase designated brand cars in installments at designated dealers. Cardholders only need to bear a certain handling fee to repay the car purchase amount in monthly installments, which is a new car loan model that fully reduces the repayment pressure. Handling fee: You do not need to pay bank loan interest when purchasing a car with a credit card in installments, but you will need to bear a one-time handling fee. Handling fee = installment amount Loan term: The maximum term for installment car purchases is generally 24 months. Down payment: When purchasing a car using a credit card installment plan, a down payment of no less than 30% of the car price is generally required. Limit: Each bank stipulates the loan amount for credit card installment car purchases. For example, China Construction Bank stipulates that the installment amount for car purchases ranges from 20,000 to 200,000.