If the credit card is in arrears, but the credit is good and there is no bad record, you can generally borrow money to buy a car. The success of the loan depends on the applicant's economic strength and repayment ability, and the lending institution will review it according to the applicant's comprehensive qualifications. The loan amount of car loan will be evaluated according to the borrower's debt situation. If the credit card owes a lot, the amount of loans available will be reduced.