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I bought a car in 3/11 with a 21% rate. I needed a car and this was my only option and the price was a steal... No my credit is 100pts hight give or take and I want to know if it would be worth it on my report to refy @ 10%, lower my rate/ payment, and have a fresh paid in full auto loan? Or should I keep it the same and not have a "new" tradeline. The new payment will only change things by $30-40 a month.
I just refinanced with capital one. Its pretty hard to justify payin that high of interest. When my capital one refinance hit my credit report I got a score watch that my score had gone up 10 points.
I only have about 5k left to pay. Rate won't change thigs to much at this point....
@Anonymous wrote:I only have about 5k left to pay. Rate won't change thigs to much at this point....
Sounds like you are almost there....Just keep paying it down and next time you buy a car you'll get a much better rate...
Credit union today quoted me at 12% It would save me nearly $90.00 a month and that will lower my DTI for my mortgage too
@pizzadude wrote:
@Anonymous wrote:I only have about 5k left to pay. Rate won't change thigs to much at this point....
Sounds like you are almost there....Just keep paying it down and next time you buy a car you'll get a much better rate...