Sales Guy at a Dealership -21 with a PRG-

For just about anything you want to get off your chest about credit cards.
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Snowman
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Postby Snowman » Thu Apr 10, 2014 9:01 pm

A little different, but I was showing my dad my CC's the other day and he was asking why I had so many..I explained their all useful to me but I use typically 1-2. But he was mortified why I had so many but when I told my CS, he was pretty proud of me lol.
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Postby darkguy2 » Thu Apr 10, 2014 11:11 pm

That seems to be the trend for the older generation. Since they were all mostly irresponsible with their credit cards and got in big trouble they think that the new generation will be the same way. My parents got in some deep debt when they were younger but payed it off. When I told may dad that I was going to apply for my first CC he was very thickheaded about it and kept trying to talk me out of it. When I got my Freedom he again told me the evils of credit. I have not even told him about my new Amex. I am building for the future so I can save money when I need to get a car loan or mortgage.
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Postby FastSRT8 » Thu Apr 10, 2014 11:24 pm

Now.... try to explain to parents how one got their Centurion...

That's a conversation


darkguy2 wrote:That seems to be the trend for the older generation. Since they were all mostly irresponsible with their credit cards and got in big trouble they think that the new generation will be the same way. My parents got in some deep debt when they were younger but payed it off. When I told may dad that I was going to apply for my first CC he was very thickheaded about it and kept trying to talk me out of it. When I got my Freedom he again told me the evils of credit. I have not even told him about my new Amex. I am building for the future so I can save money when I need to get a car loan or mortgage.
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Postby benhollberg » Thu Apr 10, 2014 11:40 pm

I'm so happy that I can from a family that is into credit cards and credit in general, we all take advantage and use them to there fullest. My father taught me a lot about finance growing up, I applied for my first card the month I turned 18, I still remember that $500 limit from the credit union, now it's still open with $6k limit but never ever gets used. My father was proud when I got my first AMEX six months later. As far as dealerships go, I have a friend that works at a dealership and is trying to get me to come in and buy a car, also so get a loan. I told him I'm not into the loan, and I'll only buy a car from him if he will let me charge it to my AMEX Plat. He said no problem, so that's exciting when the time comes.
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FastSRT8
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Postby FastSRT8 » Thu Apr 10, 2014 11:50 pm

benhollberg wrote:...and I'll only buy a car from him if he will let me charge it to my AMEX Plat. He said no problem, so that's exciting when the time comes.


Until he actually runs the card through and hands you the keys to the car, I would not trust him.

Salesmen say anything to get you to buy. Everyone who has dealt with them before all know this.
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nismoZtuner
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Postby nismoZtuner » Fri Apr 11, 2014 2:40 pm

Snowman wrote:A little different, but I was showing my dad my CC's the other day and he was asking why I had so many..I explained their all useful to me but I use typically 1-2. But he was mortified why I had so many but when I told my CS, he was pretty proud of me lol.


you feel felt happy inside.. hahah

my dad doesn't like cards so yeah that explains his insufficient credit history and now is paying it with his loan (high APR) just like my brother.. what helped my dad is that he has been working for Fresh Express for about 15 years now..
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nismoZtuner
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Postby nismoZtuner » Fri Apr 11, 2014 2:42 pm

darkguy2 wrote:That seems to be the trend for the older generation. Since they were all mostly irresponsible with their credit cards and got in big trouble they think that the new generation will be the same way. My parents got in some deep debt when they were younger but payed it off. When I told may dad that I was going to apply for my first CC he was very thickheaded about it and kept trying to talk me out of it. When I got my Freedom he again told me the evils of credit. I have not even told him about my new Amex. I am building for the future so I can save money when I need to get a car loan or mortgage.


I wonder what he might say.. "Son you know we don't keep secrets under my roof right, RIGHT!!?"
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nismoZtuner
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Postby nismoZtuner » Fri Apr 11, 2014 2:44 pm

FastSRT8 wrote:Until he actually runs the card through and hands you the keys to the car, I would not trust him.

Salesmen say anything to get you to buy. Everyone who has dealt with them before all know this.


yeah, they want commission- they didn't even want to give my brother a discount- I even got the guy mad at the beginning when I told him the APR was too high.. because my brother was having second thoughts- but the guy knew he had a sale because my brother was to shy too say something..
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Postby jlam572 » Fri Apr 11, 2014 2:47 pm

FastSRT8 wrote:Until he actually runs the card through and hands you the keys to the car, I would not trust him.

Salesmen say anything to get you to buy. Everyone who has dealt with them before all know this.


Yup, I know dealers here wont take amex to buy a car because of the fees they have to pay. You can negotiate the price lower for the car, then agree to pay their fees to use your amex tho. My friend tried to buy an acura with his plat.
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Postby nismoZtuner » Fri Apr 11, 2014 2:50 pm

jlam572 wrote:Yup, I know dealers here wont take amex to buy a car because of the fees they have to pay. You can negotiate the price lower for the car, then agree to pay their fees to use your amex tho. My friend tried to buy an acura with his plat.


My dad bought a new truck about a month ago and they did allow me to run my PRG-my dad was going to give a down payment in cash..
so yeah points for me.. what sucked was that he went back the following week and gave another $4000 -_- without letting me know..
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