If you can't get it back, you can only save it, and you can't spend it or mention it.
Car loan card is a credit card and a special card, which can only be used for car purchase and consumption, and the amount is also special.
Car loan card can only be used for deposit, withdrawal, transfer and consumption. After the car loan is paid off, the card loses its use significance. Generally, banks will advise customers to call customer service or cancel their cards through the bank counter.
If the car loan card is deposited in cash or mistakenly transferred during use, the monthly car loan can be offset if the amount is small. If the amount is large, you need to contact the card department of the issuing bank for handling.
In the early days of auto loan business, most of the loan customers came from the joint promotion of insurance companies and auto dealers. Out of trust in insurance companies and distributors, some banks once ignored the direct investigation of loan customers. Due to the uneven credit status of auto dealers, there is no joint responsibility in all aspects of auto loan business cooperation.
Extended data:
When applying for a car loan from China Bank, the following materials shall be provided:
1. Loan application.
Two, the loan applicant and spouse's identity card, residence booklet or other valid proof of residence, and provide a copy of it.
Three, occupation and economic income certificate and family basic situation (including but not limited to units or neighborhood committees, village committees, etc.). ).
Four, the car purchase agreement or contract signed with the dealer.
Verb (abbreviation of verb) The certificate or document required for guarantee, including but not limited to the following documents:
1. List of mortgaged/pledged objects and the certificate that the person who has the right to dispose of it (including the property owner * * *) agrees to mortgage/pledge.
2. The certificate of ownership or use right of collateral issued by the competent department, the written appraisal certificate issued by the authorized department of China Bank, and the document of consent to insurance.
3. Pledged goods shall provide proof of rights.
4, the guarantor agreed to perform joint and several liability guarantee documents, relevant credit certification materials.
Can the money saved in the car loan credit card be withdrawn without transfer?
The money saved in the car loan credit card can be taken out without transfer.
Take China Merchants Bank as an example:
Recover the overpayment
When the amount deposited in the credit card exceeds all debts under the account, the extra money will be automatically deducted from the subsequent credit card consumption.
Cardholders can also call the credit card service hotline and collect the overpayment by transferring money to their debit cards. The account name and ID number of the debit card used must be the same as the account name and ID number of the credit card, and only China Merchants Bank Card is accepted for the overpayment of USD.
How to get it back: call the credit card service hotline, verify your identity, and press 9 to transfer to the customer service specialist.
Handling fee for recovering the overpayment: 0.5% of the recovered amount, with the lowest 5 yuan RMB or USD 65,438+0 and the highest 50 yuan RMB or USD 65,438+00.
Extended data:
If the overpaid part is withdrawn through the cash advance channel, the cash advance fee will be charged.
Prepaid cash handling fee and interest
Handling fee: The handling fee for domestic RMB cash advance is 65,438+0% for each cash advance, and the minimum fee is 65,438+00 RMB; The handling fee for overseas cash advance is 3% of each cash advance, and the minimum fee is USD 3 or 30 yuan RMB. There is no inter-bank handling fee for cash advance.
Interest: Cash advance does not enjoy interest-free repayment. From the date of cash advance to the date of settlement, interest will be charged at a daily rate of 0.5 ‰, with compound interest on a monthly basis.
China Merchants Bank-Recovering Overpayment
China merchants bank-advance cash
Is there a balance in the car loan card?
The money saved in the car loan credit card can be taken out without transfer. Take the action as an example: when the amount deposited in the credit card exceeds all debts under the account, the extra money is automatically deducted from the credit card consumption. Cardholders can also call the credit card service hotline and collect the overpayment by transferring money to their debit cards.
Personal loan car purchase business is divided into direct customers, indirect customers and credit card car loans. The direct customer type is generally a bank car loan for customers to meet directly, and the indirect customer type is generally a car loan from an auto finance company to a customer car loan. The fees charged by banks for direct car loans include deposit, principal and interest, and 3% guarantee fee. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different. In addition to the above fees, the car loan of individual auto financing companies also needs to bear the supervision fee, fleet management fee and warranty renewal deposit. And credit cards, car loans. Credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is an audit procedure, which is difficult for credit card users with bad credit records.
The specific steps of buying a car by credit card are roughly as follows: 1. The cardholder (or applicant) calls the credit card center of the bank or goes to the local bank to find out whether he can apply for a credit card car loan. 2. The cardholder will fill in the installment order of car purchase at the dealer with his ID card, and the bank background will review it. 3. After the order is approved, the cardholder pays the down payment and goes through the normal car purchase procedures. 4. After the vehicle is licensed, the cardholder needs to go to the bank to go through the mortgage formalities and purchase the required auto insurance. Finally, I can drive the car away smoothly. First of all, the lender needs to prepare ID card, residence certificate, work certificate, loan use certificate and other supporting materials, go to a bank, fill out an application form and fill out a contract. Then, wait for the bank's pre-loan qualification investigation and approval. If the lender meets the loan conditions stipulated by the bank, the bank will inform the lender to fill out some loan forms. If the loan applied by the lender needs mortgage or guarantee, it is also necessary to sign a guarantee contract and a mortgage contract, and go through the mortgage registration procedures; If the loan is unsecured, there is no need to sign such a contract. Secondly, banks issue loans to lenders. Generally, banks will lend money within 2 to 3 weeks or 1 month after the approval is completed, and the loan can be released within 1 day at the earliest.
How to withdraw the extra money after the ICBC car loan credit card is paid off?
Generally speaking, the money deposited by ICBC's car loan credit card cannot be withdrawn. According to the regulations of ICBC, the car loan card can only be used for deposits and cannot be withdrawn. And if you don't apply for prepayment, you can only deduct it monthly for a long time. So I suggest you consult with the relevant staff of the car loan department and credit card department. Of course, this mainly depends on the attitude of the bank, but generally speaking, this may not be easy to do, that is, ICBC's car loan credit card money can not be withdrawn. Then you need to bring your ID card and card to the local original car loan handling bank for cash withdrawal. If you are a card-issuing customer in Shandong since 2020, you can try to withdraw money yourself. If you are in a different place or it is inconvenient to go, you can call 95588 credit card for manual customer service registration and give feedback to the branch for handling.
3. The handling fee for RMB withdrawal of domestic car loan credit cards is as follows: 1% of the cash withdrawal amount for each transaction, with the lowest 2 yuan and the highest 100 yuan; 4 yuan is charged for each withdrawal from inter-bank ATM machines; If you withdraw cash by overdraft, you will not enjoy interest-free repayment, and interest will be charged at the daily rate of 0.5 ‰ from the bookkeeping date, with compound interest on a monthly basis; Military official cards, armed police official cards, budget official cards, platinum cards and above are free.
4. Under normal circumstances, a car loan card will be issued for car installment business handled through car dealers, guarantee companies, insurance companies and other channels. This card is usually only used to buy cars by stages, and has no other value-added functions. The car loan card business of each branch is slightly different. Please contact the loan bank if you need to go through the formalities of car loan card loan settlement or mortgage cancellation, misdeposit/mistransfer/guarantee fee withdrawal, loan or guarantee information inquiry, etc.
1. 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, depending on the situation of some banks; There are three stages: 12 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.
2 refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.