hi there everybody, i need some help in answering some doubts before i even apply for a car loans. i hv a cc problem. debt 4k. after consulting the officers of the bank, i agree to pay by installments of 200 per month for 20 months. i already pay up to 6 months. in between the month i did skip but the month later i also pay for the previous month (eg = skipped april, then i pay in may 400 instead of 200). this july 2011, i am able to pay up the total sum of the balance so that i will no longer owe anything since the cc already canceled. i want to buy a car after this. but when i read all the post for this topic (oh yes i read all of em) i just want to be sure when is the best and safe time to apply for a car loan.
a) should i wait for few months or a year?
b)what is my chances?
c)i really learned my lesson well with the credit card. now i only use a debit mastercard. is a debit mc can be use to pay at the hotels (i travel a lot for my job) because i am tired bringing a lot of cash around (dangerous la especially for woman la) since it is like a prepaid, i can always bank in money for the card and use so i know my limits. but i dont know to what extent the usage of the card.
d)after i pay the balance of the cc, for years to come, let say after 10 years, will i able to secure a house loan?

i hope u guys can advise me in this matter since i am really want to change into a better life and secure better ratings in banking history.

thanks now i manage my finances more carefully. learn the lesson very well last time. dun wanna be in the red anymore