I don't get it either. I don't regularly use a savings account, and I haven't pawned anything in my life. If I walk into a car dealership, I consider it a given that I can drive away in anything I want, brand new and fully loaded, with nothing more than a signature. So what is the secret I am missing?
I presume that with your car dealership story you've meant to convey that you are an experienced point-of-sale credit user, that you've obtained car loans from the car salespeople, morgage from the builder's salespeople, player credit at the casino cage, etc.
In that case the secret you are missing could probably be expressed in the old Jewish proverb: "Don't ask the tailor if the suit fits."
I apologise if I misunderstood you and the "nothing more than a signature" was in fact a signature on your check that your presented to the fleet sales rep at the car dealer's.
Pure genius. How else could someone know I live paycheck to paycheck, use pawn shops and payday lenders, built my own home to suit, and at the same time can write a check to buy a new car. THAT MAKES PERFECT SENSE!