Improve Your Credit Score and Get a Better Car Deal in Dixon

how to improve your credit score | Ken Nelson Chrysler Jeep Dodge Ram | Dixon, IL

Your credit score is one of the most important factors lenders take into consideration before lending you money. Because of this, improving your credit score is one of the best ways to not only secure a loan but also to get a better interest rate on the loans you do secure.

More than 90% of top lenders use FICO credit scores to assess your financial health, which are determined by five factors: payment history, credit usage, age of credit accounts, credit mix, and new credit inquiries. Improving these factors is the key to improving your overall credit score, but there are two that stand out above all the others.

Pay your bills on time

Over a third of your credit score is determined by your payment history. Missed payments stay on your record for years. In other words, paying your debt on time is the best way to improve your credit score. Automatic payments and consolidating debt are two methods that can help you stay on top of payments.

Have debt responsibly

Nearly a third of your credit score is determined by credit utilization. Lenders want you to have debt — to show you are good at managing it — but not too much. A rule of thumb is to maintain your total outstanding debt balance at 30% or less of your total credit limit. If you’re unable to pay off enough debt to achieve this, raising your credit limit is another option.

At Ken Nelson CDJR, we’ll work with you to find the best deal on a car regardless of your credit score. Visit us in Dixon, Illinois, to get started!

The Many Benefits of Having an FCA DrivePlus Mastercard

2022 Wagoneer | Dixon, IL

A new car is a big purchase, but did you know that when you buy from Ken Nelson Chrysler Dodge Jeep® Ram, you can reap even more rewards with a FCA DrivePlus Mastercard? Here’s a look at the many benefits of this money-saving automotive credit card.

Cash back on various purchases

If you plan on customizing your Jeep® or Ram vehicle, you could get up to 5 percent cash back on qualifying dealership purchases, such as from our extensive parts catalog — including Mopar® parts and accessories. You’ll also get up to 2 percent cash back on gas and travel purchases as well as up to 1 percent cash back spent anywhere else with your DrivePlus Mastercard.

On top of all of those perks, there is no annual fee, and this card often offers a specific cash back amount just for signing up and buying FCA items.[1]

When buying a new vehicle

When it’s time to make purchases of $499 or more — such as for more costly performance parts or even a new car — the DrivePlus Mastercard offers $0 introductory APR for six billing cycles.[2] Not only that, but you could also earn a $1,000 bonus certificate toward your new FCA vehicle when you spend $7,500 in the first year of financing.[3] These are some of the current offers on this card as of February 2022.

To learn more about the benefits of the FCA DrivePlus Mastercard, contact our finance team at (815) 216-9450 or visit us at 1000 North Galena Avenue in Dixon, Illinois.

[1] See the Reward Terms and Conditions in the Summary of Credit Terms for details, including earning, redemption, expiration or forfeiture. Percentage back is earned as points.

[2] For additional information about Annual Percentage Rates (APRs), fees and other costs, see the Summary of Credit Terms.

[3] Please see www.drivepluscard.com/disclosures for further details of Bonus Certificate.

Benefits of Having the Ram DrivePlus Credit Card

Benefits of Having the Ram DrivePlus Credit Card | Dixon, IL

Do you love your Ram truck? If your answer is “yes,” then you should consider applying for the Ram DrivePlus Mastercard®. This credit card is an easy way for Ram owners to get rewarded with a cash-back program that you can use anywhere.

You earn an impressive 5-percent cashback whenever you use your Ram DrivePlus card at Ken Nelson Chrysler Dodge Jeep® Ram in Dixon, Illinois, or other certified CDJR businesses. This includes paying for your service appointments, buying replacement parts, and adding new accessories to your Ram truck.

This card also rewards you with 2-percent cash back on all gas and travel purchases. This makes taking road trips in your Ram truck even more appealing. Finally, you will earn 1% cashback on all other purchases.

The DrivePlus card also has some great bonuses available. If you spend at least $7,500 in your first year, you will earn a $1,000 bonus certificate that you can use toward the purchase of your next new Ram truck. You can also earn a $100 statement credit by spending at least $499 on Ram Truck purchases during the first billing cycle.

To save even more money, you can take advantage of the 0-percent introductory APR for the first six billing cycles. This applies to all dealership purchases of $499 or more, giving you more time to pay off big purchases.

The Ram DrivePlus Mastercard® is yet another way that you can save money when doing business with Ken Nelson Chrysler Dodge Jeep® Ram. Apply today and start getting more money back in your wallet.

Stock Your Vehicle with These Emergency Supplies

Nobody wants to get stranded by a breakdown or a flat tire during a road trip or daily commute — but it’s wise to be prepared just in case. If you haven’t already, consider stocking your vehicle with these supplies to keep yourself safe in a roadside emergency.

Tools

Jumper cables are a must for your vehicle supply stash — they’ll come in handy if your battery dies. An inflated spare tire, lug wrench, and jack are essential as well. You may also want to carry a small tool kit and duct tape just in case.

Safety supplies

To keep your vehicle — and yourself — visible on the side of the road, make sure you stock reflective triangles, a reflective vest, and a flashlight with extra batteries. For especially serious situations, a fire extinguisher and a first aid kit are recommended.

Other items

Increase your preparedness by keeping nonperishable snacks and drinking water in your vehicle. A rain poncho and compass will be useful if you need to walk to get help. An extra car charger will help you keep your phone powered up.

Emergency Vehicle Supplies | Ken Nelson CDJR | Dixon, IL

Winter equipment

During the winter months, you’ll want to equip your vehicle with a shovel and snow brush, a warm blanket and extra clothing, and cat litter to provide traction if you get stuck in a drift.

The best way to avoid breakdowns and stay out of roadside trouble is to keep up with scheduled maintenance here at Ken Nelson CDJR in Dixon, Illinois. We can also hook you up with a new CDJR vehicle that includes Roadside Assistance Service as part of the warranty coverage!

Indoor Games to Play at Home With Your Kids

Indoor Games to Play at Home With Your Kids | Dixon, IL
Indoor Games to Play at Home With Your Kids | Dixon, IL

You’ve probably heard all the same advice: don’t let your kids stay up late and sleep in, stick to the same schedule, give them a sense of structure while they’re stuck at home. Sometimes, though, a restless and stressed kid needs a little break from the routine. If you and your little ones are going stir-crazy, here’s some indoor games to play at home.

Build Things

Remember the days of arts & crafts when all you needed was Popsicle sticks and some glue? Find some creative materials you and your kids can use to build towers and houses. Maybe together you can make a whole city!

Learn Magic Tricks

Kids, especially the younger ones, are easily fascinated by simple magic tricks. Teach yourself a few and put on a show, then show your young audience how it works.

Card Games & Puzzles

These can be a bit “basic” to us adults, but I think we take things like card games and puzzles for granted. To a kid, these can be major mind-benders that help their brains develop.

Your Favorite Childhood Games

What did you like to do as a kid? Connect with your inner child with games like hide and seek, hot potato, Simon Says, and all your favorite old board games. Pass your favorites down to your kids.

Another fun thing to do with your family is plan a future road trip. Call us at Ken Nelson Chrysler Dodge Jeep® Ram, if you need a new vehicle to ensure that your upcoming travels are safe ones.