1. I applied for a loan to buy a car at China Construction Bank. The bank said it was a credit card installment plan. Now five days have passed and the bank called me to verify my personal information and said it would send a card. This is

CCB Credit Card Car Purchase Score

It is recommended to go to CCB’s credit card website and go to “Credit Card Service Hall Inquiry” on the left side of the homepage. After entering your ID number, check the card application progress to see if the card has been approved.

In principle, China Construction Bank will approve car installments after the credit card is approved

Generally, the loan period for other car installments is the owner's car payment and insurance, and the bank charges 7 The final payment will be released around working days.

There will be a text message notification when the money has arrived. Only after receiving the text message can the owner's password be used) Go to the dealer to swipe the card to pick up the car. The owner needs to be reminded here that when you swipe your card to pick up the car, the POS will print out a purchase order to confirm several aspects: first, the total transaction amount; second, the number of installments; and third, the handling fee. If it looks like there's nothing wrong with it, the owner will sign it.

2. Is it necessary to apply for a credit card to buy a car with a loan?

Using a credit card loan to buy a car is more economical than going to a bank or a car financing institution to buy a car, because you don’t need to pay interest when buying a car in installments with a credit card, you just need to pay some handling fees. , and the handling fee is still very low compared to the interest rates of the other two loans.

And it will be faster for cardholders to use their own credit card loans to buy cars. Some banks can complete the approval of this application in 40 minutes, and the longest time will generally not exceed 3 days. , so it is very good in terms of speed.

3. I want to get a loan to buy a car but I don’t have a credit card. Is it possible?

You can apply for a car loan without a credit card. When an individual applies for a car loan at a local bank or auto finance company, he or she does not need to provide a credit card. Therefore, as long as the individual meets the relevant conditions for the car loan, he or she can directly apply for the car loan. However, if an individual wants to apply for a credit card installment purchase of a car, he or she needs to have a credit card to do so. To apply for a credit card installment car purchase, you need a credit card from a bank partnered with the car merchant, and the applicant needs to prepare a down payment of no less than 30% of the total price of the car purchased. Therefore, whether an individual wants to apply for a car loan to buy a car, or wants to apply for a credit card installment plan to buy a car, even if he does not currently have a credit card, he can still apply for one. Before you take out a loan to buy a car, you can consult your local lending institution to learn about the relevant requirements for a car loan based on your personal situation. In addition, after successfully obtaining a loan, the borrower must remember to repay the loan in full and on time every month: Loan (electronic IOU credit loan) is simply understood as borrowing money that requires interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts. Banks invest their concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. The "Three Principles" refer to safety, liquidity and efficiency, which are the fundamental principles of commercial bank loan operations. Article 4 of the "Commercial Bank Law of the People's Republic of China" stipulates: "Commercial banks take safety, liquidity, and efficiency as their operating principles, implement independent operations, bear their own risks, be responsible for their own profits and losses, and self-discipline." 1. Loan safety is the primary issue faced by commercial banks; 2. Liquidity refers to the ability to recover loans within a predetermined period or to liquidate them quickly without loss, so as to meet the needs of customers to withdraw deposits at any time; 3. Efficiency refers to the bank's continued The basis of business. For example, when issuing long-term loans, the interest rate is higher than that of short-term loans, which is good for efficiency. However, if the loan period is long, the risk will increase, the safety will be reduced, and the liquidity will become weaker. Therefore, there must be harmony among the "three natures" so that there will be no problems with loans.