Even if you don't have an overdue record, if you don't have a credit card or credit history, it may cause some difficulties in handling credit cards. Credit card is a lending tool, and banks will decide whether to issue credit cards according to the applicant's credit history and credit score.

If you don't have a credit card or credit history, but need to buy a car by stages, there are several ways to consider:

1. Car loan: You can apply for a car loan from the bank, which is a loan product specially used for car purchase. The bank will evaluate the loan application according to your income, credit history and other factors.

2. installment plan: some car dealers or brands offer installment plans, and you can choose to pay by installment when buying a car. This method generally requires a certain down payment, and then repays in installments according to the agreed time limit.

3. Lending platform: Some lending platforms provide installment payment service for vehicles, and you can apply for installment payment for car purchase on these platforms. These platforms may conduct credit evaluation according to your personal situation and provide corresponding installment repayment plans.

No matter which way you choose, it is recommended to carefully evaluate your repayment ability before buying a car to ensure that you can repay on time and avoid overdue and bad credit records. In addition, understand and compare different loan schemes and interest rates, and choose the one that suits you best.