No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
It is going to cost you, big time. However, you learned something. I turned in my VW Beetle and was hit with a bill for $4800.00 A little scratch here, a little ding there. Yep, life is full of lessons.
Can you get a small loan to buy the car, even with a co-signer? I think I'd do everything possible to keep this off my report.