After Miss Huang submitted the loan application in Chedai.com, the financial consultant in Chedai.com conducted a telephone survey on Miss Huang and learned more detailed information about Miss Huang, including personal credit history and credit card usage. After understanding the situation, the car loan network financing consultant suggested that Miss Huang buy a car by credit card installment. Affected by the tightening of credit, many banks in Shanghai have raised the threshold for auto loans. For example, SDB is more willing to be a high-end model, and China Merchants Bank is not interested in models below 654.38+ 10,000 yuan. Some banks explicitly require applicants to have real estate and so on. Under such circumstances, credit card installment payment is gradually favored by prospective car owners. The general loan term for car purchase by installment with credit card is 12 months and 24 months. As long as the individual has a good credit record and repayment ability, the general bank will approve it. Miss Huang met the conditions of credit card installment payment, so she successfully repaid the Buick New Excelle loan.