The car loan card hasn't received the text message yet.

The car loan card has not been received, and the text message may be risky. The car loan card business of ICBC branches is slightly different. It is suggested to contact the local loan handling bank for consultation and verification as soon as possible. Confirm whether to open the card. If it is already in use, it may be stolen. If it is not enabled, query the logistics information according to the delivery number provided by the bank.

What is a car loan card?

Car loan card is a credit card used for car loan repayment. This credit card, which is usually handled at the same time as the car loan, is generally used as repayment. After issuing the card, the credit limit is generally 0 yuan or 1 yuan. After applying for a credit line from the bank with relevant certificates, generally speaking, car loan cards will be issued in the car splitting business conducted by car dealers, guarantee companies, insurance companies and other channels. Usually this card is only used when buying a car, and there is no other value-added function. If you need to use a credit card, I suggest you apply for a credit card separately from ICBC. The auto credit card business of each branch is slightly different. Please contact the loan bank when handling the post-loan business such as settlement or settlement procedures of auto credit card loans, misdesignated/mistransferred/cash withdrawal fees, loan or guarantee information inquiry.

How to pay back the car loan card?

1. Counter repayment of loan bank:

Borrowers can carry ID cards, loan repayment cards and savings cards with cash or part of cash. You can go to the business hall window of the bank that handles the car loan, apply for repayment from the staff, fill in the repayment application form, provide repayment cards, savings cards or cash as required, and complete the repayment with the help of the staff.

2. ATM deposit repayment:

Before the repayment date of each installment of the car loan, the borrower takes the car loan repayment card, savings card or cash to the nearby ATM, deposits the money in the savings card into the car loan repayment card, or deposits the cash into the car loan repayment card. Repayment method: One-time repayment method and installment repayment method (equal principal and interest, equal principal and interest) can be selected.

If you use the credit card's own limit to repay in installments, you can of course use it as an ordinary credit card after you pay it off. If it is a special credit card for buying a car, even if all the quotas are repaid in advance, this card cannot be used as an ordinary card. Because the debit card of a car is generally only used for one-time installment consumption, and it will automatically become invalid after the repayment limit.