Tag Archives: advice

Start Doing These Good Credit Habits

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We talk so much about what to do when you have bad credit, we don’t spend any time on what to do once you’ve achieved good credit.  You’ve fought your way back, your credit rating is on the up.  What do you do to either maintain it?  Here is some behaviors to keep in mind to keep that credit rating good.

  • Know Your Credit Score:

Yes, even with good credit, this is still important.  Don’t risk sliding back into bad behaviors, you can keep yourself in good standing by making certain that your credit report remains clear and good of any false reporting.  Errors happen, and you should get on top of it asap so it doesn’t have a negative impact.

  • Keep the Credit Card Companies Happy:

This is a two-parter.  First up, a method of doing this is by sticking to a ratio of 30 percent of your credit allotment.  Every month, make it a habit of only using your credit card(s) till the 30 percent mark and then back off.  People who consistently go over this part tend to get the credit card companies nervous.

Second, make sure that you use your credit card.  This may seem like talking out of both sides of the mouth, but the key word in this is to use the credit card and maintain it without going over 30 percent.  Being consistent with that ratio and paying it off every month will keep the credit card companies happy.

If you need help with purchasing a new or used vehicle, be sure to contact us at Bayside Chrysler Jeep Dodge. If you need further assistance in finding financing for a new vehicle on bad credit, contact our financing department.  We love to say yes, you’re approved!   Be sure to like Bayside on Facebook, following on Twitter, or subscribing on YouTube.

First Time Car Buyer Tips

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First time car buyers is a scary thing.  Do you know what you’re supposed to do?  Most people do not, being a first time car buyer means that everything you’re seeing and doing is a learning experience.  It’s one of the reasons why few new buyers don’t have a form of back up from someone who has gone through the process.  Here is some tips on what you can do to have a better first-time buying experience for a car.

  • Set a Budget:

Know what you can afford.  Have your finances all put together and know what you will be able to pay every month on a car without having to worry should something happen.  It’s best to plan for the worst in this regard.

  • Buy or Lease:

Both buying a car and leasing a car comes with pros and cons.  Leasing means that you don’t have to put as much money up front and can pay lower amounts each month, but when that lease is done, it’s time to shop again.  Buying means that the car is yours, but it requires much more money up front and possibly higher payments.  Decide which one is right for your finances.

  • Test Drive:

No matter how sure of a car you are, you can’t be exactly sure until you step behind the wheel of it.  Let yourself drive the car to know if this is truly something that you want.  Come in with an open mind and be prepared to maybe change your mind should the car not hold up the way you envisioned it.

If you need help with purchasing a new or used vehicle, be sure to contact us at Bayside Chrysler Jeep Dodge. If you need further assistance in finding financing for a new vehicle on bad credit, contact our financing department.  We love to say yes, you’re approved!   Be sure to like Bayside on Facebook, following on Twitter, or subscribing on YouTube.

Advice for New Car Buyers

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It is hard enough work to get an auto loan for a new vehicle, but one thing you don’t find is much advice for new car drivers.  The lifecycle of a car is to at some point possibly trade it in.  So how do you make sure that the new vehicle retains its value for maximum trade-in potential?  Here is some things you’ll want to avoid.

1) Having a Dirty Ride

This translates to simply being clean.  Keeping your vehicle clean, inside and out, can help retain value.  If you need to clean under the hood, don’t use a hose.  Instead, use a wet rag to wipe dirt from the hoses.  Bringing in a clean car, especially one with a well maintained engine, will lead to great offers come trade-in time,

2) Driving too Hard

We all dream of being a race car driver or being involved in some high-speed chase, but that’s best left to the fantasy.  A new car needs some loving car for the first time out and having a lead foot can be an issue.  Being nice for the first thousand miles can be a real benefit later on.

3) Keeping Records

Keep track of what service you have done on the vehicle.  Should you ever want to sell to a private party, having such records will be a massive benefit for figuring out value and for the person buying.

There you have it, some great advice for people who managed to land themselves a spiffy new car and want to treat it right.  Most of this is common sense, but it’s always nice to be reminded of the responsibility that will ensure that your vehicle will be worth the best amount when it’s time for trading in.

If you need help with purchasing a new or used vehicle, be sure to contact us at Bayside Chrysler Jeep Dodge. If you need further assistance in finding financing for a new vehicle on bad credit, contact our financing department.  We love to say yes, you’re approved!   Be sure to like Bayside on Facebook, following on Twitter, or subscribing on YouTube.