I applied for a loan to buy a car at CCB, and the bank said it was a credit card installment. Now, five days later, the bank called to check my personal information and said that it would send a card.

1. I applied for a loan to buy a car at CCB. The bank said it was a credit card installment. Now, five days later, the bank called to check my personal information and said that it would send a card.

Credit card purchase points of China Construction Bank

It is recommended to go to the credit card website of CCB, check the credit card service hall on the left side of the home page, enter the ID number, check the progress of card processing, and see if the card has been approved.

In principle, CCB will only approve car installment after credit card verification.

Generally, his car installment loan time is the landlord's car payment and insurance, and the bank will pay the final payment after about 7 working days.

There will be a text message when the money arrives. After receiving the message, you can use the password of the landlord. What needs to be reminded here is that when picking up the car by swiping the card, POS will make a purchase order and confirm several aspects. First, the total transaction amount; Second, series; Third, the handling fee. No problem at all, the landlord will sign it again.

2. Is it necessary to apply for a credit card for a car loan?

Buying a car with a credit card loan is more economical than buying a car with a bank loan or an auto financing institution loan, because buying a car by installment with a credit card requires no interest, only a handling fee, which is still very low compared with the other two loans.

Moreover, it will be faster for cardholders to buy a car with their own credit card loans. Some banks can complete the approval of this application in 40 minutes, and the longest time will generally not exceed 3 days, so the speed is very good.

3. Can I borrow money to buy a car without a credit card?

You can apply for a car loan without a credit card. Individuals who apply for car loans from local banks or auto financing companies do not need to provide credit cards, so individuals can apply for car loans directly as long as they meet the relevant conditions of car loans. However, individuals who want to buy a car by installment with a credit card need to have a credit card. To purchase a car by installment with a credit card, you need a credit card from a cooperative bank of auto merchants, and the applicant needs to prepare a down payment of not less than 30% of the total purchase price. Therefore, whether individuals want to apply for a car loan to buy a car or want to use a credit card to buy a car in installments, they can do without a credit card at present. Before buying a car with a loan, you can consult the local lending institution according to your personal situation to understand the relevant requirements of car loan. In addition, after the borrower successfully obtains the loan, he must remember to repay it in full and on time every month. Loan (e-IOU credit loan) is simply understood as borrowing money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles." 1, loan security is the primary problem faced by commercial banks; 2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time; 3. Efficiency is the basis of sustainable operation of banks. For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.