Whether it is necessary to apply for a credit card to buy a car by mortgage depends on the application business of the loan applicant and the bank regulations. If it is mandatory for banking business, banks that do not apply for credit cards can refuse loans. If it is not compulsory to apply for a credit card to repay the loan, there is no need to apply for a credit card. You can confirm it directly with the loan bank.

Procedures for buying a car by mortgage:

The customer chooses a car at the bank's special dealer and signs a car purchase agreement or contract;

The borrower applies to the loan bank for personal automobile mortgage;

Sign the contract after investigation and consent;

Go through the formalities of notarization and mortgage of automobiles;

Lenders (banks) handle loans;

After the loan is paid off, the lender (bank) cancels the pledge certificate and returns it to the customer.