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So I've been changing up my car loan. I refinanced my car, which brought the rate down to 4% from 12%. With that credit pull they gave me a 1500 CC as well. Then I wanted to buy my fiance' a new car for our wedding present. I lowered my payment to absorb hers, and I went back to the CU and they approved me for the car @ 3.49% for 72 months on her car. so my monthly car payments will be around the same as they used to be. Im very excited, and excited to give her the car she wants as a pre-wedding gift 30 days before I call her wife