Instalment car purchase applications whose credit cards are overdue 16 times can be approved. The specific explanation is as follows:

1. First answer the question: Based on the information given, people whose credit cards are overdue 16 times can be approved to purchase cars in installments.

2. Detailed explanation:

1) No records exceeding 90 days: According to the information, overdue records do not exceed 90 days, indicating that the overdue situation is relatively short-lived and more acceptable.

2) Overdue 16 times: Although the number of overdue is high, the specific overdue amount and time range are not given, so it is assumed that the overdue amount is small and scattered over a period of time. This means that the overdue amount is relatively low, and the overdue amounts are not concentrated in a short period of time, which may have a relatively small impact on credit evaluation.

3) Application for installment car purchase: Car purchase is a large consumption, which generally needs to be paid in installments. When reviewing an installment car purchase application, the bank will consider the applicant's credit situation, income status and other factors to decide whether to approve it, and will make an evaluation based on the applicant's credit record.

3. Summary: Based on the above analysis, it can be relatively optimistic that applicants whose credit cards are overdue 16 times but have no record of exceeding 90 days will have a greater probability of being approved for installment car purchase.

4.

Extended information: Credit card overdue refers to the situation where the credit card holder fails to repay in full on time on the repayment date. Overdue records will leave negative records in personal credit reports, which will have a certain impact on personal credit evaluation. However, specific credit assessment criteria vary by bank and individual circumstances. Generally speaking, the number of overdue loans and the overdue amount are one of the important factors that affect credit evaluation. At the same time, installment car purchase means dividing the car purchase payment into several installments for repayment, rather than paying the entire amount at once.

The above is the content of the answer based on the information provided in the question and understanding under normal circumstances. Specific approval or disapproval needs to be determined based on the bank's actual policies and a comprehensive assessment of the applicant. In order to understand their situation more accurately, it is recommended that applicants communicate with the bank and submit detailed application materials.