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I do not think that I have ever heard anything good about Buy Here Pay Here places, although when my sister sold her 2000 Civic, she bought a 1993 Accord from one. She bragged about the great deal she got, but she declared bankruptcy when she still owed a third.
When I was in Page I did a balance transfer to a new USAA card with a 0% introductory rate and I used that card wherever possible while I saved up for a new checking account that would have paid interest, but the job did not work out, and I spent that money on bills.
The nice thing is that they only charge interest on new balances, so I can continue paying down my student loans without paying interest on my credit cards.
I forget what my credit score is. USAA used to tell me each time I logged in, but that is currently off-line. I believe that it was 735.
I was chatting with a woman on-line several months ago. Things seemed to be going well enough. She said something about the brilliant way that she used her credit cards, I asked what she thought of Dave Ramsey, and she went on such a rant that I completely stopped talking to her.
I forget what I have mentioned about him, that his investment advice seems to be completely wrong, and that his snowball method is not ideal. As I recall, I created a thread called "People who do math don't have credit cards."
My math said that I would have fines and fees if I did not use my credit card.
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