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Ajay, I agree with you very much. However, I think most people are not disciplined enough to follow through. Instead of using the bank's money to buy the car and invest their own money in something else, I think most people would get the loan and then piss away their money (extra income...

I second (third?) the recommendation to talk with your bank. That's how I got my first credit card. I got from my credit union and the limit was $500. After using that for about a year, I was able to qualify for higher limit cards fairly easily. Just curious, but you work 20 hrs a week and...