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  1. NFCU offered me about 3.9% for a used vehicle loan, up to $22000. Easy app with them although I may try usaa, etc. Went to dealer. Found a car I want. Dealer offered 3% then said he found another bank that can do 2.7%, including all finance charges, fees, tax, title into the loan, total about 21000 on a nice vehicle. What am I missing here? Should I even try going with the dealer or am I in for a rude awakening? I've heard horror stories but I don't know one way or another whether I should just stick with Navy Federal and not finance with dealer. This is for a used vehic
  2. generally do you guys go to the branch to apply or over the phone?
  3. this will be my first car loan. I have about $8,000 on my NFCU credit card and another $4,000 on my USAA. (credit card debt that im paying off) which of the two (NFCU vs. USAA), or other banks, will be forgiving when i apply for a car loan? im looking for vehicles in the $15,000 range and need to purchase in the next 14 days or so. preferably in less than a month. I have a new job and have had to spend to try and relocate and so on and so forth. in 60 days i can pay off my balances dramatically not sure if that's the best thing to do in order to get good APR on a car loan. without a ca
  4. i spoke to a rep on the phone today. there are two cards i can product change into and not lose my points and not get a hard credit pull. The two cards are the Thank You Premier with $95 annual fee and the Thank You Preferred with no annual fee. Otherwise I can close the card if i choose not to downgrade and i have time to use my points. I dont want to pay an annual fee. Im starting a new job and for the next 12 months i'll be working and saving. the days of blowing money are over i wont be using this or any new card much. i cant remember if i can PC to any card or just the c
  5. the only thing i can think of is if someone was moving to another country and wouldn't be here in, say 6 months, to return the car. i'm also shocked, i think we're both missing something big here. or maybe they're moving to another state and it would cost more to ship the car than to return it.
  6. I remember something similar happening to me years ago (i think it was years) and i wrote about it on this board. i cant find the thread. I had a capital one card and reported it as stolen. when they sent me a new card it began a new tradeline and the old tradeline remained as "closed." i can't quite remember if the AAOA was altered or how that affected the date the card was opened. i think i remember a reputable member stating that I should leave that kind of stuff alone because it can backfire and screw up tradelines and how they report. It wasn't intentional on my part, but sti
  7. nice "2% Value for Cash Back Statement Credit Redemptions" what the heck is that supposed to mean? is it a straight 2% cash back or are the points convereted?
  8. quoting an already large quote is causing my quad core computer to quickly crash. say that fast 2 times
  9. i just saw the 100,000 credit limit and decided i would go outside and kick some rocks just for fun. to hell with this. AND im flipping tables when i get back
  10. Bank of America, Capital One, Chase, and Citibank. also waive AF's for active duty. Which citibank products waive annual fee?
  11. i will rent one and try it again in the next few weeks. did you finance with the dealer? how was that experience with respect to them pulling your credit (multiple pulls, one pull, etc) 0% is sweet but i think i will be going used at this time
  12. ^^^ great thank you @ chrishillson
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