Can my credit union repo my car because I am several (3 or 4) months delinquent on my credit card from the same credit union? I have been on time on my car payment and they are refusing to post my car payment to my car loan because I am delinquent on my credit card. They are threatening to repo my car even though I have not been late on my car payment at all. The credit card is a unsecured loan, so how can they come after my car?