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I joined Pen Fed and applied for a CC but was turned down I did ask if i would have a shot at a auto refinace and they said yes so i applied got approved for 5.9% . I have 14.9% at Capital one ATM so i took that deal saves me 25$ a month on payment next 3 years.. Should also get my foot in door to get approved for the CC i want .
Congrats that is a huge drop in interest rate!
Good job. Definately the right call in reducing the interest rate.