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    Hello! I recently had a car accident where my car was totaled. I received $11000 back from my insurance company for the car. I am currently in the process of looking for a new car to buy. I also have about $6000 on a credit card. I have been trying to pay this credit card off for YEARS (have gotten it down from $10000 but took me 4 years so far). Originally I was going to put the full 11000 to finance a car. Here is my question: Should I use part of the money from my car to pay off my credit card which will mean NO MORE CREDIT CARD DEBT and use the remainder of the money to put down on the car? Credit card APR is 8.9% and a car loan will be 5% APR. Basically, is it better to have the credit card debt with a smaller car loan Trimble a larger car loan debt with NO credit card debt? THANKS! Hope I was able to explain that well enough to understand :)

    What I would do: I would pay off the credit card debt and finance a new cheap car. I recently bought a cheap nissan versa for $10,500 (new). Why pay off the credit card you ask? Credit card balances can seriously reduce credit. Any time you use more than 30% of your available limit you are reducing your score Ex: $6,000 limit, never use more than $1,800 Employers check credit, so do car insurance companies (you'll pay more) I would pay all credit cards to below 30% of limit, and save the rest for a down payment on a car. Go to a credit union for a car loan (call first to make an appointment) Be proud to have a cheap new car. Kia, Ford, and Chevy all have them. ~$11,000 It is impressive to see someone driving these, since people that buy them usually buy them in cash without making loans. At least impressive to me, to see someone so financially smart

    If you have had an unpaid balance on your credit card for "years," you really do need to get rid of it. But the fact that it's there may already affect your ability to get a new car loan. Here's what I suggest. First, make sure you have a source for that car loan. Go to your lender and get pre-approved for a car loan. Find out how much credit they will extend. Just to make up a number, let's say it's $5,000. Then, pay off that credit card debt. Use the balance of the proceeds from the insurance payout plus the pre-approved amount to buy a car. In the example above, you would have $5,000 left over in insurance money plus a $5,000 loan at 5%, for a total of $10,000. That's probably not enough money to buy your dream car, but you can get a decent used car for that much. Meanwhile, you will be rebuilding your credit. In a year or two, your credit rating is likely to look a lot better. Pay off any new charges to the credit card right away, and do not run any balance at the end of each month. Even better, make sure you do not charge more than 30 percent of your credit limit. If you have a $10,000 limit on the card, try not to charge more than $3,000 in any month, even if you can pay it all off. That 30 percent rule makes a big difference in your credit rating. Bottom line: a credit card balance is deadly to your credit rating, especially when it goes on for a while. Use this opportunity to get rid of it. Good luck, and I hope this helps.

    For Finance and credit solutions I always visit this site where you can find all the solutions. :Credit card vs car loan debt? Hello! I recently had a car accident where my car was totaled. I received $11000 back from my insurance company for the car. I am currently in the process of looking for a new car to buy. I also have about $6000 on a credit card. I have been trying to pay this credit card off for YEARS (have gotten it down from $10000 but took me 4 years so far). Originally I was going to put the full 11000 to finance a car. Here is my question: Should I use part of the money from my car to pay off my credit card which will mean NO MORE CREDIT CARD DEBT and use the remainder of the money to put down on the car? Credit card APR is 8.9% and a car loan will be 5% APR. Basically, is it better to have the credit card debt with a smaller car loan Trimble a larger car loan debt with NO credit card debt? THANKS! Hope I was able to explain that well enough to understand :) Follow 7 answers

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    Pay off the credit card. The interest rate is much higher than the car loan. It's bettetr to have a lower interest rate on what ever debt you have. Use the balance as a downpayment for the car and take the car loan for a shorter period since you will be able to use the money that you had been paying on the credit cards toward the car loan. In the future, only charge what you can pay in full every month on those credit cards. You will build credit and avoid interest.

    Its better to have no credit card debt. I think you should use part of your money for the car to pay off your credit card debt and finance for a cheaper car instead. www.payingpaul.com/credit-card-debt-he...

    I went all over the web and found loads of trash. After all the site that was usefull for me= financial-care.info- RE Credit card vs car loan debt? Hello! I recently had a car accident where my car was totaled. I received $11000 back from my insurance company for the car. I am currently in the process of looking for a new car to buy. I also have about $6000 on a credit card. I have been trying to pay this credit card off for YEARS (have gotten it down from $10000 but took me 4 years so far). Originally I was going to put the full 11000 to finance a car. Here is my question: Should I use part of the money from my car to pay off my credit card which will mean NO MORE CREDIT CARD DEBT and use the remainder of the money to put down on the car? Credit card APR is 8.9% and a car loan will be 5% APR. Basically, is it better to have the credit card debt with a smaller car loan Trimble a larger car loan debt with NO credit card debt? THANKS! Hope I was able to explain that well enough to understand :)

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Would this work to get AAA + credit rating?

  • Mathias Jacobson
    Mathias Jacobson
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