Left the Garden .... But am so much smarter thanks to myfico forum

[Asailorshort]

After 9 months in the garden, i left it today, resulting in 2 new inqs. However, one inq was to refinance car at better rate AND shorter term. I went from 8.69 to 1.59!!!!! We'll save almost 3k over the life of the loan.

The second inq was for schwab high yield checking. My current bank charges me $9/mo to hold my money. Schwab charges nothing, reimburses ATM fees and gives me a tiny % of interest on my money. By switching banks, i figure i'm saving about 20 bucks/month. All together these two inqs saved me about 4k over the next 3 years. Not bad for a couple hours on the phone. And the inqs will be aged over a year when we go for mortgage preapproval next April.

[MzKoli]

Always nice to save $$$$ Congratulations!

[NJTurnpike]

Who did you refi your car loan with?

[E150GT]

sweet. I am pretty spoiled by USAA free checking. I dont pay for squat, but I look at bank accounts these days and most have a lot of fees. 

[NJTurnpike]

I don't understand why people stay with banks that charge them so many fees. there's so many choices out there.

[Asailorshort]

NJ,
We refinancrd with navy fed. They have ridiculously low interest rates and exceptionally high credit limits.
I also love USAA for their great customer service and awesome online banking.
However, i am in the process of switching to schwab for my primary checking acct as they have 0 foreign transaction fees and reimburse arm fees world wide. (Usaa reimburses domestically, but not always internationally & they do charge ftf).

[_jb_]

Well I was going to ask if you meant 1.79%, as that was the lowest that NFCU was offering earlier this week when I checked, but I see that they are now offering as low as 1.49% auto loans. Congrats!

[lg8302ch]

Congrats! So will you come back to the garden? 

[youngandcreditwrthy]

Congrats!
I don't like getting hard pulls for things like checking accounts, renting, or utilities! Seems silly