<prompt> Human: So my credit is in the 640s currently. I have a few small bills that I can pay off to bring it up a bit, maybe. I have a student loan 3k-50 a month but I pay more a current credit card unused 900-49 a month, I pay 60 and a current loan on my 2008 Santa Fe 4500-220 a month. My husband thinks I should get a new car. I dont think he realizes how bad my credit is and I dont really want to tell him. I think its best if I pay off my current loans and wait on the new vehicle. He thinks the lower payments refinancing the current amount will make a difference in our circumstances. Id rather run the thing into the ground but he says that the car will get more and more expensive as we go on. Im stuck and kind of sick about all of it, I worry so much about when we go to get a loan and they tell him that my credit is shit. I also have an old credit card that shows as defaulted that he has no idea about not sure what to do about that mess. Any ideas on how I should proceed?  <response>: Id guess youre underwater on your current vehicle now... under no circumstance should you roll that negative equity into yet another depreciating vehicle. I think its best if I pay off my current loans and wait on the new vehicle. And you would be correct He thinks the lower payments refinancing the current amount will make a difference in our circumstances.Short term gain at the expense of long term pain. Focusing on payment instead of cost is a sales tactic. Dont fall pray. 