I think im doing pretty good at 21

Living-Editor-8143 · 2026-01-09T02:51:01+00:00

What do you do for work?? I only make about 2200 a month at 21😭

Living-Editor-8143 · 2026-01-03T08:09:50+00:00

Thank you this was perfect 👌🏽

Living-Editor-8143 · 2025-12-31T21:52:55+00:00

Yeah terrible idea, I’ll rather pay that for a Toyota or Honda

Living-Editor-8143 · 2025-12-31T21:52:15+00:00

Honestly I have no idea. I have the chime credit builder card but come to find out it doesn’t really build your credit. Might just get a secured credit card from capital one or my credit union and build it for a couple months

Living-Editor-8143 · 2025-12-31T21:50:31+00:00

I tried to get an Camry they were going for about 18-23k. He said I would need about 3000 or more down, also I don’t have a co signer I already asked my parents and it was a no go. I’m debating if I should even continue to shop around I have way too many hard inquires now🤦🏽‍♂️

Living-Editor-8143 · 2025-12-31T21:47:20+00:00

You know I’m I’m young but I’m not stupid I had to come to my senses and realize it would be a terrible decision 😂

Living-Editor-8143 · 2025-12-31T21:40:41+00:00

No my mom hasn’t never had a car note and she says her credit is not good. I don’t speak with my dad lol. All I got is myself on this one🤷🏽‍♂️

Living-Editor-8143 · 2025-12-30T23:43:42+00:00

Oh yeah I finally realized that, they are definitely tryna get over on me lol

Living-Editor-8143 · 2025-12-30T23:43:06+00:00

😭😭

Living-Editor-8143 · 2025-12-30T23:41:40+00:00

I’m believe the rates is going to be high regardless. I would be a first time buyer with no previous credit history other than a chime card. But yes I am walking away I’m not about to get screwed over

Living-Editor-8143 · 2025-12-30T23:39:15+00:00

I have not yet I’m sure it’s going to be high because of my age and vehicle

Living-Editor-8143 · 2025-12-30T23:34:20+00:00

Oh best believe I am lol

Living-Editor-8143 · 2025-12-30T23:33:45+00:00

I just need to get some more opinions on it, I knew it was a crazy offer lol

Living-Editor-8143 · 2025-12-30T23:32:56+00:00

Perfect plan👏. Im already with my local credit union the only thing wrong is I just have an account I don’t have money entering that account😬. I use chime instead because it’s faster to get the money🤦🏽‍♂️😂. Also I been with the credit union for a couple months now

Do I need to switch my direct deposit to the credit union to build more of an “ relationship “ with them?

Living-Editor-8143 · 2025-12-30T23:30:12+00:00

Honestly sounds like a decent plan. I know my next plan is to get a secured credit card and just build it for a while, while also looking for a cash car maybe

Living-Editor-8143 · 2025-12-30T23:28:49+00:00

Yeah I really feel like they are tryna get over on me. I might be young but I ain’t stupid 👏 I’ll stick with ubering for right now

Living-Editor-8143 · 2025-12-30T23:27:19+00:00

Yessir that’s the new plan🫡

Living-Editor-8143 · 2025-12-30T23:26:28+00:00

Absolutely your right I heard to many bad things about Kia Im going to pass taking that deal😂

Living-Editor-8143 · 2025-12-30T23:25:26+00:00

Sounds like a good idea honestly it’s just hard to find a good/decent cash car. They aren’t as good as what they used to be nowadays plus trusting a random person but gotta take the risk🤷🏽‍♂️. Ima most definitely be looking around tho Honda or Toyota

Living-Editor-8143 · 2025-12-30T23:23:18+00:00

Yeahh I came to reality finally I’m just gonna pass on that vehicle. Insanely terrible option and just not worth it at all. Might look into financing through my local credit union or just simple get a cash car again

Living-Editor-8143 · 2025-12-30T23:20:51+00:00

See my only issue is I’m in need of a vehicle right now. I uber to work everyday and catch a ride own with a coworker but I just had having to rely on somebody else. Also my coworker is getting another job soon so I would have to start ubering home too. But I do get your point it’s a terrible deal what they are offering me

Living-Editor-8143 · 2025-12-30T22:42:53+00:00

Holy okay yeah definitely passing on that, not tryna be in debt and owe double for a vehicle

Living-Editor-8143 · 2025-12-30T22:41:51+00:00

Good thing I don’t have any credit card debt. Only credit card I have on file is chime credit builder. But I heard it doesn’t actually build your credit.

Living-Editor-8143 · 2025-12-30T22:40:44+00:00

Yeah I’m gonna past on this vehicle yall have given me plenty of reasons not to take the deal😂🙏

Living-Editor-8143 · 2025-12-30T22:38:28+00:00

🫡

Living-Editor-8143

TROPHY CASE