u/Woodz117

I’m needing to buy a car since I recently crashed mine and going to be paying for a used car cash since I just went through chapter 7 and got my debts discharged but I’m sure I won’t be approved for financing for a few years and if I do it’s going to be an insane interest rate hence me paying cash. I currently have a discover checking account but since it’s an online bank it’s not going to work with what I need since I’d have to wait a week or so for a check to mailed and I know most private sellers aren’t going to want a check. I live in a city that only has chase, Wells Fargo, and a US bank as actual branch locations. The rest are credit unions and those don’t even have tellers they’re just atms inside the branch’s. I was thinking about chase but have read alot of comments saying that they’re known to close accounts pretty often. Based of the 3 choices available to me which bank would be best to go with? I don’t have the money yet but I should have enough saved by the end of June or early July. I’m just worried if I go with chase and transfer the 7k I have in my discover and then w/d over 10k less than 2 months after the accounts open they might close my account. It’s a hard choice since all 3 of these banks have really bad reviews for all the branch’s in my city.

I’m needing a new car and have been looking at Lexus is 250’s, Infiniti q50’s with the 3.7 not the 3.0 turbo and Genesis g80 sedans. I’m paying cash so I’m trying to stay within the 9-15k range and for that price all the these cars that I’m looking at have around 110-130k miles. My last car was a 2015 Genesis sedan but had the 3.8 and 98k miles before I had a freak accident and it hadn’t given me any issues. From having friends that have is250’s and q50’s I have an understanding they’re pretty reliable as long as the maintenance is kept up with since both my friends with those cars have close to 200k miles and haven’t had any major issues, but how are the 2015 g80’s after 100k miles? I keep reading mixed reviews about them after that mileage and know it really comes down to how the previous owner maintained it but if it’s been properly cared for will the genny’s be able to reach 200k miles? Side note the only reason I’m looking at the 5.0 versions is the 3.8’s I’ve seen are only priced about 1k or so less so why not.

I got my discharge letter last Monday, and I’m just wondering how long does it typically take for the debts not to show on my credit? It still shows a portion of the debt on my Experian which shows $41k and some of my credit card apps still show the balances.