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What kind of credit cards are you applying to that you keep getting rejected? When I was 18 with no job I was getting credit card offers thrown at me. Citicard gave me a free Dominos pizza for signing up for one of their cards my first week of college. Since then, 6 years later, I've spent tens, maybe hundreds of thousands of dollars using that card. I have paid them a grand total of $5 in interest because I always pay my balance off in full ever month. I've also earned rewards points on the money I've spent worth hundreds of dollars. In essence they've paid me to use their card.
Point being, that's what you need to be doing to build credit. And at 19, trust me here, there are tons of things you need to be paying for before you ever dream about a $25k car. Have a fiancé? How much of the wedding are you paying for? You're self-employed, are you putting any money away for retirement? Spent a little time researching the time-value of money and you'll see that having a retirement investment account from 19-25 and contributing every month will exponentially increase your lifetime earnings. You have an apartment, great. Do you have longterm plans to buy a house? Kids in the future? Either you or the fiancé paying for college?
I know I'm lecturing. But I'm doing it because a 19 year old who is getting married too early and can't even get a loan without a consigner has no business spending this kind of money on a car, even if you can afford it.
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