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In the case of Michelle and her husband, Ramsey and Cruze suggest they get a loan from a credit union to pay off the two cars and then sell them — even at a loss — and then each buy a used $5,000 car.

With the Rakuten American Express Card, Rakuten members can earn a higher cash-back rate than they would using the site or app alone.

Artificial intelligence has been a crucial part of the industry for decades, and more uses of the technology are coming — including, maybe, AI agents that make purchasing decisions for you.