/biz/ - Business & Finance

>didnt buy more msft at 202

>>2135063
>>2135103
WUT

Wanna help a dumb 21yr old out /biz/?

I've had a bit of a bumpy start to life, but my parents have decided to help me out by helping me build credit. I've been given the options of either paying off car payments ($370 a month, no interest or other extra baggage aside from general taxes,) or paying off a credit card every month.

If I chose the car payment, I'd get a 2017 model, but no credit card. If I chose the credit card, I'd still get a car (paid off,) albeit older and not as safe. CreditKarma (please don't laugh at me,) left me at roughly 675 due to me paying off some student loans a while back. I've got no job, and if I do get one it's going to be piss poor anyway (probably 9-14 dollars/hour at best).

Is there any reason beyond safety to go with the newer car? Would the car payment affect my credit any differently than a credit card? Mind you this was all brought to me with the context of wanting me to be able to eventually move out sooner rather than later.

I'm feeling a bit lost in all of this since I know nothing about finances so by all means feel free to go into the extra details. I've got no idea what I'm doing here.