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Good for you for not taking that loan. Work on getting those scores up and paying down the negative equirty. We can help! Why the need for a new car now anyway?
In my opinion it's definnitely a bad idea to roll that much negative equity especially into a Chrysler. They are notoriously unreliable and don't hold their value which is why your current Chrysler is under water. If you're dead set on upgrading the Journey I would recommend buying a couple year old Toyota or Honda and driving it for at least 3-4 years so that you get out of this cycle of trading in cars with negative equity. Whatever you do, I recommend that you don't change your mind and buy the Chrysler with $6k negative equity on a 72 month loan at 16% interest because of a $500 incentive.