Nowadays, more and more people buy cars. It is easier to buy a car than to keep it. After buying a car, they have to face a lot of car maintenance, which is not only troublesome, but also costly. But if you have an owner's credit card, you can not only help when you need money badly, but also enjoy the relevant rights and interests of the owner's card, which can be said to be quite cost-effective. So which bank is better for the owner card to go to? Let me introduce you.
1, CarCard automobile credit card of China Merchants Bank
CarCard automobile credit card of China Merchants Bank is a gold card set specially designed for car owners, which is divided into two parts: standard large card and special-shaped small card. The annual fee is 300 yuan/year, but most of China Merchants Bank are exempt from the annual fee in the first year, and they can be exempted from the annual fee if they swipe their cards six times in the second year.
China Merchants Bank CARCARCARD car credit card can enjoy cashback activities, 3% on weekdays and 5% on Fridays, and can also send 50% points according to the existing points rules!
2. CCB Longka Automobile Card
Of course, CCB also has a car card. CCB's Dragon Card has MasterCard and VISA versions. The annual fee for the gold card is 200 yuan/year, and the annual fee for the supplementary card is 100 yuan/year, all of which are exempt from the annual fee for the first year, and the annual fee for the next year can be exempted after three swipes.
CCB Longka Car Card has such services as integral oil change fee, free road rescue and preferential car wash. If it is a platinum card, the car wash fee below 40 yuan is completely free, and the part above 40 can be paid with points.
3. Safety owner card
I believe many people are familiar with the owner card of Ping An Bank. It's a gold card, and there are also MasterCard and UnionPay versions. The annual fee for the first year is 200 yuan, and the annual fee for the next year can be waived if you swipe your card for 30,000 yuan.
Ping 'an car owner card can enjoy a 28% discount on refueling, full-vehicle personnel protection, free road rescue nationwide and free insurance. Safe insurance is also a big advantage.
4. CITIC standard car owner card
The owner card of CITIC Bank has two grades: gold card and platinum card. The annual fee of gold card is 200 yuan/year, platinum card is 480 yuan/year, and senior platinum card is 2000 yuan/year. Platinum card annual fee is a rigid annual fee, and there is no annual fee-free policy. New gold card users can be exempted from the annual fee for the first year, and the annual fee for the next year can be exempted if they swipe their cards for 5 times.
Citic standard car owners get 8% cash back reward for refueling with gold card, elite platinum card 10%, distinguished platinum card15%; There are also unlimited road rescue services, car washing activities in 0 yuan, 1 yuan airport parking.
5. Guangfa Owner Card
Guangfa's owner card also has many versions. The annual fee for single-currency ordinary card is 40 yuan, the annual fee for single-currency gold card is 80 yuan, the annual fee for dual-currency ordinary card is 90 yuan, and the annual fee for dual-currency gold card is 260 yuan. The first year is free of annual fee, and the second year is free of annual fee for swiping the card six times.
Refueling up to 360 yuan cash back or 5 times points, as well as free road rescue, free high accident insurance and new customers to send fuel cards and other activities.
6. Minsheng Auto Credit Card
Minsheng's car credit card has three types: gold card, platinum card and luxury platinum card, which are somewhat similar to CITIC's. The annual gold card fee is 300 yuan, free in the first year, and free in the following year when swiping the card for 5 times; The annual fee of standard platinum is 600, free in the first year, and free in the second year 18 or 50,000 times; Luxury platinum 3600 yuan/year.
Here, I introduce the common owner cards of six banks. Of course, there are more than these car owners' cards, including Huaxia Credit Card of Huaxia Bank, Car Plus Credit Card of ICBC, and Bank of China Great Wall Global Car Card. , you can enjoy relevant rights and interests. Go apply for one!
What are the benefits of the owner's credit card? You and your car will be moved.
As cars gradually become people's means of transportation, banks have also seized this business opportunity. They have owners' credit cards, which are specially customized for owners. "It's easy to buy a car, but difficult to keep it." What are the benefits of owner's credit card owner's credit card, which makes both card friends and cars excited? Take several popular car owners' credit cards as examples to introduce them to you.
Ping An Bank Owner Card
Ping An Owner's Credit Card is a gold card, which brings the following benefits to the owner:
(1) Ping An auto insurance points: The points can be deducted from Ping An auto insurance premium according to 500 points = 1 yuan.
(2) 8.8% discount for refueling: More than 8,000 gas stations in 48 cities across the country can enjoy 8.8% discount, including PetroChina and Sinopec.
(3) National Free Road Rescue: From the day after the first painting, you can apply for free road rescue service within 30 kilometers (including accidents and non-accidents) every time, and you can enjoy it once a day, unlimited days throughout the year!
(4) Giving away insurance: From the day after the first brush-off, you will be given up to 165438+ 10,000 yuan of accident protection for the whole vehicle (only for cardholders to drive vehicles), up to 500,000 yuan of accident protection for drivers, up to 65438+ 10,000 yuan of accident protection for people in the same vehicle, and up to 4,000 yuan of accident medical protection for all people (including drivers) in the vehicle.
China Construction Bank Longka Automobile Card
Refueling features: Car card points can be exchanged for oil cards, and the exchange ratio is 4‰ (that is, every 1000 car card points can be exchanged for 4 yuan).
Car wash service: You can enjoy free car wash service once a week at the designated car wash point. You can enjoy it directly in the first quarter after swiping the card, and then you can enjoy the free car wash in the next quarter by swiping it 6 times every quarter.
Other benefits: Call CCB's 24-hour customer service hotline at 400-820-0588, and you can enjoy national road rescue services free of charge, including on-site quick repair, spare tire replacement, electric pumping and 15km nearest trailer.
Changhang Huaxia Zunshang Platinum Card
Huaxia Bank Platinum Owner Card, with annual fee of 680 yuan/year, can be redeemed for 50,000 points. The benefits are as follows:
(1) The total consumption of non-refueling in that month reached 2,000 yuan, and the consumption of refueling was cashed back at 6%, with the highest monthly cash back to 60 yuan.
(2) You can enjoy the car driving service five times a year.
(3) Enjoy the annual road rescue service for free.
(4) Take the ETC channel directly on the expressway, deduct the money first and then enjoy the preferential charges in expressway.
Minsheng bank checheka
This paper introduces the gold card of Minsheng Bank car card, which is free of annual fee in the first year and the annual fee in the following year after swiping the card five times.
(1) If the monthly consumption exceeds 1500 yuan, 5% of the monthly fuel consumption will be refunded, and the monthly limit will be 50 yuan.
(2) If you spend 1.500 yuan every month, you can get 1 yuan car wash rights.
What are the benefits of the owner's credit card? The benefits and rights of different banks will be different. Card friends can make the most suitable choice according to their own needs and preferences. If the above four kinds of owner's credit cards can't enter your eyes, you can enter the owner's credit card entrance, and more cards are available for you to choose from.
How about buying a car with a credit card, the credit line 150000?
Buying a car with a credit card is a pit.
How about buying a car with a credit card, the credit line 150000? The problem is that those are empty numbers, and if you use them, they are your debts.
Credit cards have nothing to do with limits.
If you want to buy a car, as long as you have tens of thousands of credit cards, they can help you. The question is whether it is worthwhile for you to spend the money. The interest rate is higher than the loan to buy a car, and the most common cycle is 24 months or 36 months. Individuals can apply for a loan to buy a car in the bank for 60 months. Although the pressure is not great, your repayment pressure is relatively great. Don't be fooled by the credit card limit, thinking that it will expire if you don't spend it. In fact, they are all cakes drawn for you by the bank, and you won't digest them well after using them. What you buy is a car, and what others earn is your interest and handling fee. You chose this pit yourself, and no one forced you. You can only ask for it, and you can only knock out your teeth and swallow it in your stomach.
Enlightenment from the epidemic situation
Is this epidemic still unable to see through the world? You can't move without cash. When the bank arrives, you will not pay, but you will not be polite. You don't know that many enterprises are on the verge of life and death, so how many years do you think your income will enable you to return the car stably?
Final summary:
If you really need to buy a car, I suggest you see how much you can pay. If you really can't buy a handcart, don't buy a brand-new one. After all, the car depreciated badly in the end. After driving for a few years, you will find that the car is worthless, and you will find that you have bought a pile of scrap iron for so many years.
I can tell you this, because I also want to buy a car with a credit card. I have already discussed it with the bank. My credit card belongs to the Bank of China. Credit card loans have no interest, only installment fees. If you buy a car in a 4s shop that cooperates with their bank, some models can repay the principal without charging a handling fee. The handling fee for other models is 60% off. There are luxury cars and ordinary models. I asked several brands, including Corolla, Lei Ling and Geely. If you buy by credit card, you can usually get a discount on the handling fee. If there is no discount, the cost is still quite high, as if it can be divided into five years at the longest. There are two ways to deduct the installment fee for your credit card transaction in China Bank: "one-time payment, repayment with the first monthly bill" or "installment payment, repayment with the monthly bill".
1. One-time handling fee: Phase III 1.95%25, Phase VI 3.60%25, Phase IX 5.40%25, 12 7.2%25, 181.7%.
2. The handling fee will be collected by stages: 0.65% for the third phase, 0.6% for the sixth phase, 0.6% for the second phase, 0.65% for the third phase, and 0.625% for the fourth phase.
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Look at the picture I sent below for your reference.
Every mature person can't just look at the present. 150,000 credit card limit is accumulated by your years of credit investigation. Hard-won. You can buy anything if you are sure you can pay it off on time!
I don't recommend spending in advance unless you have a fixed and relatively high monthly income. Why do you say that? Because you swiped your credit card, you will pay it back on the repayment date next month. How do you return it? If you pay part of the interest in installments, the key point is that some 4s stores are not allowed to use credit cards. It was not allowed when I bought it at that time. Young people should not put too much pressure on themselves. Don't let them get into debt. It's best to have some savings in hand and then use some credit cards, so the pressure will not be so great.
Buying a car with a credit card is neither economical nor cost-effective, and the risk will be greater. Here are several reasons.
First of all, the interest-free period of credit cards is relatively short, and the amount of buying a car is relatively large. It must be phased and interest-free will not be used.
Secondly, the installment fee of credit card is very high, which is much higher than the loan interest rate of 4S shop, because many car dealers can make interest-free loans for 2 or 3 years, but credit cards can't, because there are interest and fees.
Third, even if the money is not bad, there are fewer credit card installments, and loans without car dealers or 4S shops are more active.
These are the shortcomings of credit cards, so it is not recommended to use credit cards. If you don't want to use a loan from a 4S store or a car manufacturer, you can use a bank car loan, which is also lower than a credit card. You must pay attention to this, the economic account still needs to be calculated.
Another aspect is that credit cards are directly owned by banks, and the requirements for credit information will be stricter, while for car loans, the risk will be relatively small. I won't tell this ordinary person. Little friends should pay attention.
Simply understand what you mean, the credit card limit is10.5 million, and you want to buy a car with a similar price and then overdraw your credit card.
Since your credit card limit can reach 6.5438+0.5 million, I believe your credit information should be very good, or you have a lot of deposits. If your credit information is very good, I personally suggest taking a formal loan to buy a car, such as a bank car loan or a factory interest-free or low-interest loan. If you have a large deposit, I still suggest that you buy a car in full.
I have been engaged in the automobile dealer industry for almost 8 years, and I haven't met a customer who bought a car with a large one-time overdraft credit card. Maximum overdraft 1-20000. By the way, the interest on credit card installment. Slowly, 19 years, I swiped 60,000 credit cards because I couldn't reach out. At first, the interest rate was 7-8%. Later, the actual interest is 1: 2, and the annual interest is 12%. Normal car loan interest is only about 4%, and prepayment is not allowed. If it is paid back by the end of the three-year period, it will cost more 18000 yuan in interest. Finally, I returned it in advance. I used 13 months, and almost paid back the interest of 10000 yuan. Including liquidated damages, the annual interest rate is close to 17%.
Since then, I seldom use credit cards.
So I don't recommend that you use your credit card to overdraw your car. Of course, you can buy it if the annual interest rate does not exceed 5%.
Buying a car is a consumption behavior. Buy if you have money, just like it. If you borrow a credit card to spend in advance, you need to calculate the cost and repayment ability. Take 6.5438+0.5 million as an example. If you can't repay in full within the interest-free period of 20-50 days, you will be deducted! Of course, you can choose to pay in installments. Take 12 installment as an example, the installment interest rate is calculated at 7.5% per year, the annual interest is 1 1250 yuan, and the monthly principal and interest is 13437.5 yuan. If you can get it easily, I wish you a happy car!
Hello, it's my pleasure to answer your question! It is ok to buy a car with a credit card, but you must consider the repayment ability in the future, otherwise you may not be able to repay it and be classified as a faithless person. Think it over.
I bought my car with a credit card. This problem is a sub-topic for me. I don't know when I can make up my mind to buy a car without a credit card. Thanks to banks and credit cards.
20 16 years, because my wife is pregnant, I have to go to the hospital for examination every once in a while. In order to make my wife more comfortable, I had the idea of buying a car. I didn't have much money at that time, but I had more credit cards. The most important thing is to open a new ICBC credit card with a line of100000.
However, I bought a very cheap car. Many people look down on domestic products, such as changan CS35, with automatic top-blocking version, which is a little over 90,000. As an ordinary person, I think it is almost the same to have a car for 100 thousand yuan. My ICBC credit card is just a little short, but it is not difficult for me, because my wife and I have more than 30 credit cards with a limit of more than one million.
Cut the crap and talk about the advantages and disadvantages of buying a car with a credit card.
The advantage of buying a car with a credit card is that you can buy a car in full in a 4S shop without any formalities, and you don't need to be tied up by a 4S shop to buy three-year insurance, and you can also save some messy guarantee fees. In the first year, I bought insurance in a shop in 4S, because I didn't know insurance. In the second year, I bought insurance outside. You can save a lot of insurance premiums and those messy expenses.
Buying a car with a credit card also has disadvantages. The disadvantage is that 80% banks can only do 24 installments at the longest, and very few banks can do 36% installments. And the installment fee of credit card will be slightly more expensive than car loan. I don't know how much it costs, because the installment fee of ICBC is very cheap when buying a car. What I did was 12 installment, and all the expenses added up to only 3%.
Matters needing attention in buying a car with a credit card
In fact, there are no special precautions. The points that need attention are as follows: 1. Pay attention to safety when driving, and put safety first in everything. Secondly, you should have a relatively stable income, because you not only have to pay back the credit card money every month, but also pay for car maintenance. So you must calculate whether you have the ability to keep a car now. Nothing else.
How did you buy a car while reading the article? Let's share your car buying story.
Buying a car with a credit card can be divided into many situations, so it is not necessarily the most cost-effective solution to charge a credit card with a limit of 150000.
1 If you pay this 150000 in full, you must replace this 150000 on the repayment date, and generally you need to pay six thousandths of the credit card processing fee.
2 If you mortgage: 1, you plan to cooperate with the brand of your credit card: the mortgage procedure will be easier, and there may be interest-free or preferential policies from the manufacturer.
If there is no cooperation between automobile brand and credit card brand: it may not be cost-effective for you to use this credit card as collateral. How could it be uneconomical? Six thousandths of the credit card handling fee may need to be paid by yourself, and you can't enjoy the mortgage policy of the manufacturer.
Excuse me, what is the dragon card of CCB credit card?
To apply for the CCB Longka automobile card, the following conditions are required.
1: deposit in China Construction Bank is more than 654.38 million yuan;
2. The car value is more than 654.38+ 10,000;
3. Local hukou, or proof of real estate.
If the driver's license is less than half a year, you can apply for the CCB Longka car card with the car purchase invoice.
As long as the above conditions are met, anyone who has reached the age of 18 can apply for a CCB Longka car card.
Besides the basic rights and interests of CCB Credit Card, CCB Longka Automobile Card has three special rights and interests:
First, preferential car wash service.
Second, double the oil change.
Third, free road rescue.
CCB Longka Automobile has all the functions and services of credit card products, and it is also very convenient to buy cars by stages.
China citic bank standard card advertisement
This high credit card can realize your dream! Light up your dreams! !
If you have a stable job with an annual income of more than 40,000 yuan and a customer who owns a private car, and the private car here refers to a non-operating vehicle, then you are very suitable to apply for a long-term car card. In addition to filling in the application form of CCB Longka Credit Card, you also need to provide driving license, driver's license ID card and other information. After submitting all the information, you can get the CCB Longka car card in about 20 working days.
For more information about CCB credit card Longka automobile card, please visit: See More.
So much for the introduction of car credit cards.