The premise of applying for car installment loan is that you have a CCB credit card, and the approval standard of credit card is relatively low. If you don't pay attention to the overdraft limit of the card, the possibility of getting on and off the bus is still very high, so the staff did not check your financial certificate in detail and submitted the application directly to you. Credit card review time is 20 working days.

You have a CCB credit card before you can apply for a CCB car installment loan. The general process is as follows:

(1) The customer first selects a car at the dealer and tests it, and negotiates with the dealer to determine the purchase price;

(2) Show my credit card, ID card, work certificate, real estate license and other financial certificates, and fill in the application form for car purchase by installment;

(3) Distributor submits customer application materials to CCB;

④3-5 working days for review. After the application is approved, the customer pays the down payment to the dealer and goes through the relevant formalities;

(5) and other loans, generally 5-7 working days. After receiving the SMS notification, go to the 4S shop to pay the final payment and pick up the car;

⑥ Repay by monthly installments through Longka credit card.

The bank may comprehensively consider your application materials for the approval of car installment loans, which is generally difficult for us to predict. You can ask the 4S shop. The probability of the loan passing is still quite high. Basically, we are now pushing the loan installment of CCB.