Separate names with a comma.
Discussion in 'General Lounge' started by Newcomer, Jul 17, 2001.
Barclaycard Ring™ Mastercard®
No annual fee, No balance transfer fees, No foreign transaction fees, Low interest!
CREDIT CARD WITH NO ANNUAL FEEBarclaycard Ring™ Mastercard®
Credit One Unsecured Visa®for Rebuilding Credit
Credit card for people with bad credit to rebuild credit!
BAD CREDIT CREDIT CARDCredit One Bank® Rebuild Credit
First Access VISA® Credit Card
Access to credit even with bad or limited credit! Reports to 3 major credit bureaus and accepted wherever you see the Visa® sign. Get application response in 60 seconds.
CREDIT CARD FOR BAD CREDITFirst Access VISA®
Green Dot primor® Visa®Classic Secured Credit Card
Credit lines available up to $5,000! Reports to three national credit bureaus; perfect card for reestablishing credit. Guaranteed approval*!
SECURED CARD FOR REBUILDING CREDITprimor Secured Visa Classic
Credit One Bank® Unsecured Visa® with Cash Back Rewards
Get cash back on every purchase. Unsecured credit card with monthly monitoring for credit line increases. Improve your credit history with responsible use.
CASH BACK UNSECURED VISACredit One Bank
Here is what has worked for me the last three purchases. I live in Nashville. I shop the local dealers, then decide what I want to buy. I test drive it and settle on the options. In some cases, I will narrow it down to two or three cars. Other times, I settle on one.
Then I get the best price possible, explainting that I will still be shopping some more.
Then, I go to the web sites of the major car dealers in this area and Atlanta (four hours away) for the model I want. Some of them have web specials. Others will give you a quote if you can tell them exactly what you want.
I have found that the Atlanta dealers are much lower in price. Last year I got quotes on a Honda Accord EX. About six or seven dealers in Atlanta were within $100 of each other. They were all way under local dealers. Their offer was just over invoice (about $250). I then took the written offer to my local dealers. None could come within $2000.
I called the dealer with the best price in Atlanta, arranged the special financing over the phone, and set up a time to pick it up the next day.
We drove down there, the car was ready, we signed the papers and headed home. Saved two thousand dollars and did not have the pain of negotiating.
Do not use those on line brokers who promise low prices. All they do is to refer you to a local dealer who wants you to come in to the dealership so he can play his mind games with you.
As to being upside down on your current loan. In the past, the lenders have been willing to give me 100% financing (sticker price plus taxes). Since I have been able to get the car for $2500 - 3000 under sticker, they were willing to give me more than I needed to purchase the car. In your case, you could use it to fund the deficit. Dealers are usually willing to play with the numbers to make the deal work.
The point of all this is to find a big city with a lot of dealers competing with each other.
If you are worried about paying sticker, you HAVE to go to www.edmunds.com and check out the TMV section. Sticker shoul not even be in your mind. You gotta start at dealer cost (less than invoice if rebates and holdback are factored in) and work your way up...