<prompt> Human: I purchased a 2015 Dodge Charger in august of 2016 with my bad credit. Leaving me with monthly payments of 550 with the extended warranty.Now Im getting letters from other dealerships wanting to pay my car and hook me up with a new one. Im sure iv built up some credit and was wonder if they will buy my car and leave me a new one with way lower payments?  <response>: Those are sales flyers. Everyone gets them. Plan accordingly. 