Help Me Choose: 2nd Gen or Facelift BRZ - Page 4 - Toyota GR86, 86, FR-S and Subaru BRZ Forum & Owners Community

demasrv · 12-04-2023, 12:35 AM

Get the facelift. Car is mostly figured out by now, even the facelift and the early models have issues. Engines aren't lasting.

Th3rdSun · 12-04-2023, 12:47 PM

Quote:

Originally Posted by demasrv

Get the facelift. Car is mostly figured out by now, even the facelift and the early models have issues. Engines aren't lasting.

What's "lasting". I have a 2013 with 94k miles and it's been a champ,even through a somewhat major accident to the rear drivers side quarter panel(not that that has anything to do with the engine). Took them 6 months to fix my car and it's almost like it never even happened.

H380 · 12-04-2023, 12:53 PM

Quote:

Originally Posted by OkieSnuffBox

In just 3 years, the limit on that card has jumped from $15k to 35K, on just that card. Higher limits, with lower usage keep your debt-to-income and your credit utilization good.

Just a FYI for everyone. Your credit limits on all of your cards are counted as Debt. Even if you have a 0 balance but a 35K limit. That is 35k a Debt. As no credit check or approval is needed to get that much Debt. Get rid of all unneeded high limits and it could raise your credit score dozens of points. FYI

OkieSnuffBox · 12-04-2023, 02:19 PM

Quote:

Originally Posted by H380

Just a FYI for everyone. Your credit limits on all of your cards are counted as Debt. Even if you have a 0 balance but a 35K limit. That is 35k a Debt. As no credit check or approval is needed to get that much Debt. Get rid of all unneeded high limits and it could raise your credit score dozens of points. FYI

No it's not. Otherwise I would have $80k in credit card debt thus wrecking my debt-to-income ratio.

And my 830 credit score disagrees with you.

norcalpb · 12-04-2023, 04:21 PM

Quote:

Originally Posted by H380

Just a FYI for everyone. Your credit limits on all of your cards are counted as Debt. Even if you have a 0 balance but a 35K limit. That is 35k a Debt. As no credit check or approval is needed to get that much Debt. Get rid of all unneeded high limits and it could raise your credit score dozens of points. FYI

Only your monthly payment counts towards your DTI. If you have a $0 balance you have a $0 payment.

H380 · 12-04-2023, 05:36 PM

Quote:

Originally Posted by OkieSnuffBox

No it's not. Otherwise I would have $80k in credit card debt thus wrecking my debt-to-income ratio.

And my 830 credit score disagrees with you.

100% FUD.

menikmati · 12-05-2023, 12:38 AM

Quote:

Originally Posted by H380

Just a FYI for everyone. Your credit limits on all of your cards are counted as Debt. Even if you have a 0 balance but a 35K limit. That is 35k a Debt. As no credit check or approval is needed to get that much Debt. Get rid of all unneeded high limits and it could raise your credit score dozens of points. FYI

What?

If that were the case, then how would people get a low credit utilization ratio if they were to avoid high credit limits?

OkieSnuffBox · 12-05-2023, 10:37 AM

Quote:

Originally Posted by H380

100% FUD.

Provide a source.

Ernest72 · 12-08-2023, 12:58 PM

A general good rule is to buy the newest car you can afford. This is assuming you don’t prefer or want a specific year or older car for some reason.

Dadhawk · 12-08-2023, 04:28 PM

Quote:

Originally Posted by H380

100% FUD.

Actually no.

Credits cards help your score if you use them correctly and manage the risk they represent when things go wrong. For them to help you need to:

Pay them on time
Pay them off each month
Do not use them to their limit (carry a large available to owed credit).

I do this because I am basically debt free, including the mortgage. It is the only way to keep a high credit score without also having some form of consumer debt.

Sjej · 12-11-2023, 11:35 PM

Thanks for everyone with the good financial advice and warnings. The financial situation as of now is definitely looking better and I also beat my reckless driving case (proved myself innocent as I was) and got an insurance discount in the process

hopefully things stay this way and I'll be able to find a '22-'23 used BRZ that's depreciated around 25k or less even if I can afford to buy brand new I see how bad of an idea it is now it is truly a waste of money.
For anyone in my position, I'd say if you're worried use it as motivation to find new methods of making money (legitimately) and it will help you afford the car without impacting retirement savings or the money you'll need for other adukt things

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12-08-2023, 12:58 PM	#51
Ernest72 Senior Member Join Date: Jul 2016 Drives: 16 Silver BRZ, 04 Silver WRX wagon Location: Rockland county, NY Posts: 1,420 Thanks: 184 Thanked 774 Times in 444 Posts Mentioned: 1 Post(s) Tagged: 0 Thread(s)	A general good rule is to buy the newest car you can afford. This is assuming you don’t prefer or want a specific year or older car for some reason.

12-11-2023, 11:35 PM	#53
Sjej Member Join Date: Dec 2022 Drives: 2010 Ford Edge Sport Location: Iowa, United States of America Posts: 36 Thanks: 37 Thanked 10 Times in 9 Posts Mentioned: 0 Post(s) Tagged: 0 Thread(s)	Thanks for everyone with the good financial advice and warnings. The financial situation as of now is definitely looking better and I also beat my reckless driving case (proved myself innocent as I was) and got an insurance discount in the process hopefully things stay this way and I'll be able to find a '22-'23 used BRZ that's depreciated around 25k or less even if I can afford to buy brand new I see how bad of an idea it is now it is truly a waste of money. For anyone in my position, I'd say if you're worried use it as motivation to find new methods of making money (legitimately) and it will help you afford the car without impacting retirement savings or the money you'll need for other adukt things

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