What should I do if the car loan, credit card repayment notice and letter notice are sent?

Pay back as soon as possible after receiving the notice of bank credit card repayment to avoid bad credit records. Car purchase by credit card installment is a credit card installment business launched by banking institutions. The credit limit that cardholders can apply for is 200,000-200,000. Some banks have three stages: 65,438+02 months, 24 months and 36 months.

There is no loan interest rate for buying a car by credit installment, and the bank only charges a handling fee. The handling fee rate is different in different installments.

Buying a car by installment with a credit card has also become one of the important channels of car loan. The most obvious advantage of credit card car loan is the loan interest rate table. Judging from the loan interest rate, credit card installment has great advantages.

Generally, the bill is divided into 12 installments, and the bank charges at least about 3% of the handling fee, while some models can be exempted from the handling fee, which means that if the car loan is 65,438+10,000 yuan, at least 3,000 yuan can be saved.

Compared with the secured car loan, the car loan of 654.38+10,000 yuan can save at least about 654.38+10,000 yuan in handling fees and interest. In addition to the savings in handling fees, swiping a credit card has greatly reduced the burden of buying a car.

Because the down payment is generally above 30%, that is to say, the car that originally had to pay 65,438+100,000 can be directly driven home as long as the down payment is 30,000, and then the loan of tens of thousands of dollars is several thousand yuan per month.

Program flow

After applying for optimistic about the vehicle to be purchased, fill in the Application Form for Automobile Consumption Loan and the Credit Survey Form, and submit them to the loan bank together with the relevant certificates of personal situation.

The bank conducts pre-loan investigation and approval. If the bank meets the loan conditions, it shall promptly notify the borrower to fill in various forms, notify the borrower to sign loan contracts, guarantee contracts and mortgage contracts, and go through mortgage registration and insurance procedures.

The loan issued by the bank is directly transferred to the car dealer's account by the bank, and the borrower pays the down payment to the car dealer, and handles the car pick-up formalities with the passbook and the car pick-up note issued by the bank.