Where are you sending the traffic? If it's to a webpage that mentions credit, financing or selling it can cause it to get flagged. Try sending them to a simple landing page and see if your results change.Great read!
Question: How have you been getting around the "Special Category" flagging of your ads? I can't seem to get a lot of my ads approved because of this. I have ads that only talk about KBB awards for a particular model and they still wont get approved for unless I classify them as Credit ads which pretty much ruins any targeting.