Kalon

you won B...good job... i will definitely buy through the internet department when it's time for me to buy a car again in the future..

I have a 713 FICO. Hope to eventually get in the 770 range and stay there.

that is amazing...HSBC don't play when it comes to stuff like that...i used to put in apps and watch people get denied all day...

Hmmm...I tried to get a phone with ATT about 6 years ago...they required a deposit of $500...because I had no credit. Was 18... Got a phone with my mom shortly after on a 1 year contract...then I got a phone with them on my own in Feb. 2006, $0 deposit... Got the first iPhone in Oct. 2007, 2 yr contract, $0 deposit and now have the newest Iphone Oct. 2009, 2 yr contract, $0 deposit...I'm only 23...everyone I know gets bodied by ATT...I'm positive I could get with Verizon if I wanted to... Sprint DOES let anyone get phones...even my father who has THE worst credit ever...that's a long story short...I wouldn't be surprised if his credit is near bottom range (300-400 scores)...he is a sorry excuse...

what i did was submit it just to see. they allow me to approve or decline. yea if it's a transfer fee I wouldn't do it. And I'm young, 23, so I will not jeopardize my credit. It is paramount in my future.

Short and sweet. Have a 5 year old CHASE account that is going from 10.74% APR to 17.24%. Have a 2.5 year old BestBuy RZ MasterCard that has a 14.24% APR. Would it be best to transfer my $2000 balance to that lower APR? Regardless, debt will be paid no later than end of Feb.

ayo my man...i don't think that you should get an auto loan on an 8 year old car. in MY OPINION..you should only finance a car that is either brand new or 3 years old or less...the older the car, the loan term needs to be shorter. you dont want to get an 8 year old beamer and take 5 years to pay it...it will be a 13 year old car then that will likely have had some kind of problem not battery/tire related.

I'll keep short. I'm 23, and I have had this card since 18...started with a $500 limit now up to $4300...never been later never went OTL...have kept balances on...(CHASE student card) So I get a letter that by 12-1-2009, my rate will rise from 10.74 APR to 17.24 APR...if I opt out my card is closed...the balance is $1900 which will be paid by feb...and that is a definite... i called and the CS lady said that was the best offer they have...this is not the end of the world but it is important because it's my oldest card.. if nothing can be done I will be paying off the card and not using it unless I PIF...does anyone have any suggestions? my next oldest card is 2.5 yrs old...

Son...you're going to have to wait it out and just pay everything off on time. I had a similar situation with car insurance. I've only just now begun to see decent rates now that my record is clean with no accidents on it.

Thanks guys. I'm glad I have this forum to think out loud on. I take extreme pride in my credit and I will never do anything to jeopardize it. I realize that I am in a position not very many other just turned 23 yr olds are in.

Oh and to add...that is actually one of my goals after buying a home hopefully...if I ever have to finance another car after this one...I want zero percent no matter what..I saw Nissan doing 60 months on the maxima at ZERO...hopefully I can get ZERO/36 when I get my Infiniti if I can't pay for it cash...

I would rather second guess myself on the boards than IRL.. So I'm @ 6.14...would it be worth it to accept a say 4.9 or would it be better to look for a 3.9 rate? 3.9 would be but I think ~1.25% interest off would be acceptable. This is just me thinking out loud please believe I wouldn't even consider this till about next December.

No real reason...I thought I could get a better rate/lower payment? If it's not a good idea i wont give it a second thought.

I see a lot of people having trouble with NMAC. At the age of 22, (last year) with about 4 years of perfect credit (he said my score was 730, when I pulled it was 735) I got approved for a $19,000 loan at Tier 0...6.14% for 72 months...58 payments left...Marv I am trying to give my credit a "break" until at least 2011, once I pay everything off in Febuary. When would be a good time to refinance, and who should I go to (CHASE whom I have wonderful relations with) or a CU (I have 2 great ones in my area) if at all...do you think I could save money or would I do better trying to pay the car off before the end of the 6 year term? Again: ~$19000 initial loan Tier 0 NMAC rates: 6.14% for 72 months $317.39 due per month, but I pay $318 for the sake of evenness. My current statement now shows $310.07 due because of this, but I still pay an even $318. Credit Scores as of 10-09-2009 in sig...looking at possibly doing this. 5 yrs of excellent established credit.

Hey I would like to add... This is for a friend She's 23, no credit history @ all. Probably has $15-20,000 provable income from 2 jobs. This is a guesstimate. Looking at putting $2000 down, 6 years financed, on a 2010 Mazda 3. MSRP is ~$18,000 for the car that she wants. Any chance? I was thinking it's possible, probably a 12%-15% interest rate? And she wants to pay no more than $300 a month. I will try to get more details very soon Marv.