If the debt is not overdue, the loan can be continued. If the debt is overdue, it will affect your credit. You must repay the loan as soon as possible before you can continue the loan.

Extended information:

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 in installments with a credit card, but you will need to bear a one-time handling fee. Handling fee = installment amount

Baidu Encyclopedia - Credit Loans