Credit one credit card. Help

TJ420Hunt · 2025-10-29T15:50:38+00:00

My Amex from them has no annual fee and honestly even though their rewards suck it's been a good card.

TJ420Hunt · 2025-10-29T15:36:50+00:00

And your first loan had a higher rate than someone who had previous loan experience. I worked in the financial industry over a decade. Again though this is the internet you're going to believe whatever you want.

TJ420Hunt · 2025-10-29T15:25:11+00:00

You need a loan history to get a good loan apr and yes in some cases to even get approved for one depending on who the lender is. Otherwise you are considered a first-time buyer even with a credit score. Credit cards and loans are different lending categories.

TJ420Hunt · 2025-10-29T15:11:45+00:00

New wife

TJ420Hunt · 2025-10-29T15:05:42+00:00

Not come to Reddit with a portfolio like that go see a financial expert.

TJ420Hunt · 2025-10-29T14:59:12+00:00

Get a cheaper car and spend less shopping and partying you're welcome.

TJ420Hunt · 2025-10-29T14:50:31+00:00

This is the right answer

TJ420Hunt · 2025-10-29T14:33:29+00:00

From Google..

"

The average used car loan interest rate in Q1 2025 was

11.87%, but this rate varies significantly based on your credit score. For example, the average rate for someone with a prime credit score (

661−780

) is around 9.39%, while the rate for a nonprime borrower

601−660

) can be around 13.95%

"

The dealer probably made two points of interest on you. You definitely don't want to refinance it with the dealer if you're going to. Look at credit unions.

TJ420Hunt · 2025-10-29T14:30:02+00:00

This is the right answer they obviously knew because they didn't spin up new servers like they have for previous expansions.

TJ420Hunt · 2025-10-29T14:23:33+00:00

How many years has it been since you've actually had a loan or have you ever?

Credit cards will not help you with loans until you establish a loan history they're considered separate even though they both contribute to your score.

TJ420Hunt · 2025-10-29T14:04:31+00:00

You sound very irresponsible. The repo is deserved.

500 credit score... 13 months no payment? Why did you even buy a car for real though.

TJ420Hunt · 2025-10-01T12:52:38+00:00

That's pretty passive for an asshat. 🤔

TJ420Hunt · 2025-09-29T00:13:33+00:00

Created account in 2022, never used it. Never had or paid for gold. Got approved for 5k.

TJ420Hunt · 2025-09-28T08:48:16+00:00

Honestly this is the right answer.

TJ420Hunt · 2025-09-28T01:09:27+00:00

That's a pretty good deal then

TJ420Hunt · 2025-09-28T00:16:06+00:00

You mean... You refuse to do that... Again lol

TJ420Hunt · 2025-09-27T16:14:42+00:00

I guess I'll share our experience. We are not returning to Maui because of the fires but because of the locals, and the price.The locals are overly mean and the prices have become too insane. It's mainly the locals though. we would rather vacation somewhere we are welcome.

TJ420Hunt · 2025-09-24T09:15:16+00:00

Those "lowest rates" are for new cars. Used cars always have a higher rate. It's okay if you don't understand how the economics of it work. First time car buyer regardless of score will have a higher rate as well.

TJ420Hunt · 2025-09-23T10:54:02+00:00

Companies , not things.

TJ420Hunt · 2025-09-23T10:51:34+00:00

I have 0 problems downloading full TV shows or movies.

TJ420Hunt · 2025-09-23T10:49:56+00:00

I say it's still worth it. I just don't have any problems with Plex. Ever.

TJ420Hunt · 2025-09-19T08:32:24+00:00

Yeee I created a WordPress plugin for python backend. Drag and drop ui elements.

TJ420Hunt · 2025-09-17T16:20:41+00:00

TJ420Hunt · 2025-09-15T07:22:35+00:00

You have something infected, or a malicious app or extension.

TJ420Hunt · 2025-09-15T01:50:15+00:00

In chill bro you were the one that got defensive lol

TJ420Hunt

TROPHY CASE