First payment to Santander consumer

[creditwatcher2012]

I'm so sorry for the late response, yea thanks for your help, I checked the next day and received an email "payment received" and if posted to my online profile... Do you think I have a shot at refinancing this in 2-3 months, I was thinking with my credit union?

[pizzadude]

Glad it worked out, and your payment was on time.

What is your current interest rate ?   If it's bad then I'd definitely try to refinance as soon as possible.....

[creditwatcher2012]

17.9...uhhh....I have good credit, just when I applied all my cards were maxed out and my score was close if not more than 100 points lower than mycurrent score.... thus they gave me this horrible rate!

[pizzadude]

I'd definitely recommend refinancing as soon as you can to get out from under that interest rate.