i purchased a used car from a dealer in CA a month and a half ago with a 5% APR. but now they're calling me that i am not qualified with that percentage and that im gonna be paying more than that...is there some kind of a law that protects consumers regarding this kind of problem?.......i am also having problem with that car coz i spent $2,000. for repairs while I was travelling from Ca to Ga...if i am gonna return it coz i am not satisfied, can that affect my credit score?....