Thanks Shogun, it has done wonders for my mood today as well

@NovaBama, I love USAA. We use them for our savings/checking/insurance and auto loan. Their customer service is amazing as well, they have always made me feel important and respected as a member. For them to approve me with a 9.9% with my low TU Fico score of 659, they are my best friends now. We plan on using them once we go to buy our house in a few years.