Of course. It doesn't matter whose bank card you use for one-time payment, as long as it's not a loan. If it is a loan, it is recommended to transfer it to your own account first, and then complete the payment with your own bank card.
When paying for a car, you can pay with someone else's bank card. Because the payer and the owner of the invoice are not the same person, the car dealer will usually ask your relatives to fill out a payment certificate, and then copy your relatives' ID cards for your relatives to sign.
In large-scale consumption such as car purchase, many merchants choose to pass on the handling fee of credit card to consumers. In other words, these cars have to bear a handling fee of 1000 yuan when they buy a car with a credit card. At present, some 4S stores have made it clear that customers bear the extra cost of swiping their cards, or simply refuse to swipe their cards.
20 16 At the beginning of March, the National Development and Reform Commission and the People's Bank of China issued the Notice on Perfecting the Pricing Mechanism of Credit Card Charges, announcing that the new rules for charging POS machines will be officially implemented today. After the rate adjustment, it makes no difference whether merchants used to swipe credit cards or debit cards (the credit card rate remains unchanged), but the handling fee for swiping credit cards will be higher in the future.
Bank card swiping fee mainly consists of acquiring service fee charged by acquiring institution, issuing bank service fee charged by issuing institution and network service fee charged by bank card clearing institution. For large credit card consumers such as automobile sales and real estate merchants, the problem of high credit card fees is relatively concentrated. It may lead to the phenomenon of refusing to swipe credit cards or passing them on to consumers.
Can I buy a car with a non-personal bank card?
Of course. When buying a car, you have the right to choose which card to use and whose name to write in the car book. Car sellers don't care about this, as long as they brush enough money.
Can I find someone to pay my own car loan?
Of course. The car loan can be repaid by others, but you can't directly provide someone else's bank card as a repayment card. It must be the lender's own bank card. As long as others know the lender's car loan repayment card number, bank, name and other information, they can transfer the money to the repayment card for car loan repayment.
Extended data:
Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. 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.
Car loan refers to the loan that the lender can grant 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.
The borrower must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct. The term of automobile consumption loan is generally 1-3 years, and the longest is no more than 5 years. Among them, the term of second-hand car loan (including extension) shall not exceed 3 years, and the term of dealer car loan shall not exceed 1 year.
According to the regulations of the central bank, the benchmark interest rate is implemented for auto loans, but financial institutions can float within a certain range of the benchmark interest rate. The term of auto loans in major banks is generally less than five years, and the interest rate of auto loans directly determines the cost of people's loans and becomes an important factor in determining whether people lend.
The actual interest rate of car loan is set by the handling bank according to the actual situation of customers and with reference to the benchmark interest rate stipulated by the central bank. Generally, customers with excellent conditions can enjoy the benchmark interest rate or float down 10%, while ordinary customers need to float up 10% on the basis of the benchmark interest rate.