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Card Consolidation Credit Debt The Hummer is rumbling down-market. On Wednesday, General Motors will unveil a new Hummer that will be smaller, cheaper and less gas-hungry than its predecessors.

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Credit Union The new junior member of the Hummer family, to be called H3, is seen as critical to the survival of a brand that has been treading water this year, as the novelty of the two-year-old Hummer H2 has faded. The H3 is to hit showrooms next spring, a date that could not come soon enough for G.M.'s 167 Hummer dealers, who are facing a sales slump at the same time they are spending millions of dollars to fulfill G.M.'s requirement that Hummers be sold in huge glass and steel Quonset huts.

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Merchant Credit Guide Co "The H3 makes that viable," said Jim Lynch, a Hummer dealer in the St. Louis area who is in the middle of building one of the new showrooms. He called the H3 an "extremely important" vehicle that gave Hummer dealers "the volume to really be a standalone franchise."

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Apply Online For Credit Card At a glance, H3 looks a lot like the Hummer H2, which has become an avatar of American swagger or sinfulness, depending upon whom you ask. But there are significant differences. The H3 is about 17 inches shorter than the H2 bumper to bumper, and about 6 inches less wide and tall. The H3 is expected to approach 20 miles per gallon in highway driving and get about 16 miles per gallon in the city, a G.M. official said. That is better than the roughly 12 miles per gallon that the H2 gets. But it is below the 22 miles per gallon on the highway and the 19 miles per gallon in the city for the average midsize sport utility vehicle, according to the Environmental Protection Agency.

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Credit Repair "I don't want you to get the idea we're releasing the H3 to get to those people who think the H2 is not fuel efficient," said Susan Docherty, Hummer's new general manager. Rather, H3's lower price will bring the vehicle to a vastly larger market. The sport utility vehicle is expected to start from $30,000 to $40,000, compared with the H2, which starts at just under $50,000, and the H1, which starts around $100,000. G.M. envisions selling more H3 S.U.V.'s than the combined volume of both of its predecessors and hopes for sales of more than 40,000 Hummers next year, up from about 20,000 this year.

Active Credit Credit Guide "It allows 20- and 30-somethings to get into the brand," Ms. Docherty said, adding, "what we found with the H2 is that there are a lot of customers that aspire to be in the brand, but it was out of people's reach."

Credit Score Hummer sales are down 20 percent this year, through September, and the recent introduction of a pickup truck version of the H2, the Hummer H2 SUT, has not done much to help sales. G.M. makes Hummer as a joint venture with AM General, a privately held company that also manufactures the military Humvee. G.M. recently cut one of the two production shifts at AM General's Hummer plant near South Bend, Ind., scaling back production to about 30,000 Hummer H2's a year - below the 40,000 vehicles the company had once envisioned.

Bad Car Credit Guide Loan Hummer has also become a symbol of America's love affair with large gas-guzzling S.U.V.'s. The Sierra Club operates www.hummerdinger.com, which is among the Web sites devoted to criticizing the brand, and another site, whose name cannot be printed here, has more than 1,000 pictures of people giving the Hummer H2 an obscene gesture.

Bad Credit Loan "This brand, even from its inception, has been very polarizing," said Ms. Docherty, who took over as Hummer's manager in August after having led the marketing of the Cadillac Escalade S.U.V. "I don't think that's all bad. I know what the brand represents. My job is to make sure that we meet the needs of customers in the segments we go into."

Credit Definition Derivative Rising fuel prices have probably not helped the Hummer - poor gas mileage has been one of the top complaints of Hummer drivers, according to J. D. Power & Associates. But most analysts say that Hummer's main problem is not gas prices but that its bold design made it a vehicle that had a hot debut only to cool off, a pattern seen before with other flashy designs like the PT Cruiser by DaimlerChrysler.

Bad Credit Mortgage "My own feeling is that the fad is beginning to wear off," said David Healy, an analyst at Burnham Securities. "When you have a unique vehicle, the novelty tends to wear off fairly quickly so you have to keep variety coming to keep volume up."

The Insider Guide To Credit Sales next year could also be hurt by a recent move in Congress to curb a tax deduction that allows small-business owners to deduct up to $100,000 immediately for only the largest and least fuel-efficient sport utility vehicles, including Hummers. The deduction is now capped at $25,000, which is still considerably higher than small-business deductions available for cars and smaller S.U.V.'s.

Business Credit Card G.M. is also working to soften Hummer's public image. Last week, the company showed a new prototype called the Hummer H2H, a Hummer powered by a hydrogen fuel cell that will be on loan to Gov. Arnold Schwarzenegger of California, the first civilian to buy a Humvee, long before the retail Hummer brand was created.

Banker Complete Credit Guide "Californians invent the future and the H2H shows that a vehicle of today can run on the fuel of tomorrow," Mr. Schwarzenegger said in a statement last week. During the state's recall election, Mr. Schwarzenegger promised to get a Hummer outfitted to run on hydrogen.

Credit Card Application Ms. Docherty said the H2H, which has about a 50-mile range before it needs refueling, "is at the governor's disposal."

Credit Guide Managing What's next for Hummer?

Credit Card Offer Ms. Docherty would not say, though she seemed to be suggesting a more conventional pickup truck, saying that a recent prototype Hummer pickup made by G.M. "seemed like a logical place" for the brand.

Merchant Credit Guide Company "There are territories that Hummer could occupy and there are territories Hummer should never occupy," she said. "We're never going to have a minivan or a small car.''

Bad Credit By Danny Hakim
New York Times - 10/27/2004

Topic: Transportation

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