Tag Archives: tips

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.

Tips on Buying a Used Car

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So you want to buy a used car, what is the first thing that you do? Knowing that you need a car is easy, but knowing what to do is not. The easy and shortest answer is to go into a dealership. But what about preparing? What is it you need to do before you even set foot in a dealership?

One of the first things to do is set a budget. This budget is to help you know what you can and can’t afford in a vehicle. To do this, you need to know what you are able to comfortable spend on a monthly basis. In case something happens, it is best to set an amount that you can spend if money gets tighter. You’ll always want to check out cars in this price range and set an idea of what you want to spend.

The next step is to head into the dealership and give the vehicle you think you can afford a look-around. Does it hold up to expectations? It probably won’t, it’ll be difficult for it to, but is it suitable for what you need?

To get a better idea, take it for a test-drive. Never forget that you can ask to take a vehicle you’re interested in a drive around the block. You’ll want to see how it feels and how it performs. If something seems off or it is not what you’re looking for, keep other vehicles in mind to give a try.

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.