I could not get a car loan

Everyone tells me I should take out a car loan to build up credit in the US. They didn't tell me it's hard to get a car loan without credit history first. I already agreed with the ridiculously high interest rate of 22%, but still the financial specialist of the car dealer couldn't find a banker for me.

My wife and I didn't like the specialist in Mossy Nissan because of her high pressure style of selling, so we went out and try ourselves. Since Bank of America didn't even want to issue a credit card to me, we skipped that one. We walked into a big local banking institution named San Diego County Credit Union. The specialists there were very nice to us and they said the interest rate should be much lower than 15% even for first buyers like us. However, they said they could not even start the application process without a formal Driver License. Since the nearest date I could book for the road test was Feb 3^rd, there was no hope I could get the car loan from them in time.

In the end, I just went to the car dealer and wrote a check to pay it off. I hope I don't have to buy anything from Mossy Nissan ever again.

The 2nd intelligent remote and key

Nissan Sentra has a nice keyless feature, which allows you to unlock the car and turn on the engine without drawing your key from your pocket. The "key" actually consists of a remote controller and an embedded metal key in it. The metal key is considered a backup solution in case the remote fails.

When we bought this used Sentra from Mossy Nissan, they only gave us one of this key set. They never told us there should be TWO intelligent key sets for each car. I called them today and ask about it. The answer was exactly what I expected, "it is sold as is." The price for another intelligent key set is more than USD250.

Don't go to Mossy Nissan unprepared. They will eat you alive…