I want to buy a car for about 50,000 yuan. Can I get a credit limit for this amount? Then pay back the card in installments?

First, the application for increasing the card limit needs to be combined with the card usage situation, repayment status and personal credit report approval. If the original amount is relatively low, you cannot apply for 50,000 yuan in one application.

Second, most credit cards have car purchase installment services. If the application is approved, the car purchase limit will be allocated separately. You can consult the credit card customer service of the card issuer. I want to buy a car, but I don’t have enough money on hand. I want to apply for a credit card, overdraw it by about 10,000, and then pay it back in installments. Is this cost-effective?

Can you buy a car with 10,000 yuan? Is it an Arabic story? If you want to get a loan to buy a car, just apply for a car loan directly. Don't try to use a credit card. That's not how credit cards are used. If a car costs 120,000, and you want to pay in installments, you have to pay 120,000 before you can take the car away. Whether you pay it yourself or the bank (use a credit card overdraft) has nothing to do with the merchant. Using a credit card to overdraft is to turn the money owed to the merchant into money owed to the bank, and just change the creditor. The merchant cannot ask you to pay the money slowly, but the bank can. You swipe your credit card, the bank pays 120,000 first, and then you drive the car away. The rest is between you and the bank. You can apply for installment payment and pay it back to the bank, but the premise is that your credit card limit must be no less than 120,000, which is only possible with platinum cards. When it comes to a deal, it's a deal with the bank and has nothing to do with you. What do you do? What do banks do? Is it that easy to take advantage of a bank? The interest rate for a car loan is around 6 for one year, and the credit card installment fee for 12 installments totals around 8. It is generally believed that if a credit card is not used within the interest-free range, then the overdraft is a high-interest loan. I want to buy a car with a credit card of RMB 50,000 and then pay it in installments over 24 months. Is it still cost-effective to use an ICBC card?

There is a handling fee and no interest. The total handling fee is 7,800 yuan. It will be charged in the first month. The monthly fee is 2083.33 yuan, the first repayment is 9883.33 yuan, and each subsequent installment is 2088.33 yuan. It’s up to you to decide whether it’s suitable for you. I want to buy a car! I would like to ask which model is the best between 100,000 and 150,000?

1. What price range are you planning to buy?

2. What is the car mainly used for?

In fact, this kind of question is the first thing we need to consider when solving many other problems: What do you want to do, what can you do?

However, many first-time car buyers do not consider these issues, but look at them randomly. When they are confused, they ask this and that again. They are always undecided and finally buy. In fact, the car may not be the most suitable.

In fact, when choosing a car, as long as you answer the above two questions and find someone who knows about cars to find out more, you will basically determine the car you want. This is a very simple matter and is completely unnecessary. Make such a mess.

Regarding question 1: Generally, don’t exceed the budget.

When we choose a car, we usually face a problem: the car within our budget seems to be OK, but for a small sum of money, we can get a better car. Many people have experienced If you don’t resist the temptation, you will go over the budget.

In fact, if you think about it, if you set a price from the beginning when choosing a car, then this number can be said to be the budget that a person comes up with when he is calmest. Such a budget is very important to the car buyer and others. It should be the wisest thing for your family. Decisions made under temptation are relatively unwise.

Regarding question 2: Once we have clarified our purpose of buying a car, it is quite simple to choose which car.

For the purchase of most family cars: durability, cheap maintenance, safety, and enough space are ok, followed by fuel consumption, controllability, power, etc. When many people ask me, they will ask: How is the fuel consumption of this car? Will that car not be fuel efficient? In fact, fuel consumption is mainly determined by the driver's driving habits, and secondly by the car itself. For example, when I drive myself, the average fuel consumption of the same car is 12 liters per 100 kilometers and 6 liters per 100 kilometers.

Today's family cars take 1.6 or 1.8 as an example. Due to the car itself, the impact on fuel consumption is about one or two liters per 100 kilometers. So, fuel consumption really comes second.

As for controllability and power, they are even less important. For a family car, it's enough. Don't expect to overtake a car in sight, and don't prepare to take a corner at high speed. Driving safely is the primary guarantee to ensure the safety of life and property of all vehicle occupants. For example, if the credit card limit is 5,000 and I used 2,900 this month and paid it back in 12 installments, can I still use the credit card for 2,100?

Theoretically, the credit limit will continue to increase as you repay the amount

Which credit card is better for raising the limit immediately if you want to buy a car

I think China Construction Bank is better . Try it. Can I still buy a car if I owe about 100,000 on my credit card?

You can still buy a car if you pay it off as soon as possible. If it is overdue for too long, it will affect future loans.

Consequences of overdue credit card repayment:

1. No It will cause damage to your credit unless you fail to repay for three consecutive months.

2. It will cause losses to your funds. The amount you repay here on October 5th (I don’t know which day you spent it) cannot enjoy the interest-free period discount, which means that this You will be charged an interest rate of 0.05% per day on the amount (calculated from the day you make the purchase). The credit limit for Guangfa Credit Card is 21,000. How much can the limit be adjusted to during the adjustment? If I want to buy a car, can I do installment payment?

The maximum is 4,200, but generally it will not exceed 30,000. If you want to buy a car, it is more cost-effective to apply for a special car loan, which also has subsidies. You can just swipe the card to apply for installments without accounting. I can’t apply for a credit card myself. Is there any rental credit card? It's best to have a large amount, about 150,000 yuan.

You really can imagine who would rent a credit card or something related to your credit record to you, let alone such a large amount. The CCB credit card limit is 5,000, and I plan to buy a car for around 80,000. How much can the temporary limit of this card be adjusted?

You can’t adjust much, 3-5000

You can go to Shanghai Pudong Development Bank, Guangfa Bank, or a bank to apply for a high-limit card, and it will be paid in half a month,