Hello All, Been reading here for awhile, and finally joined up and now have my real FICO scores. Anywho- Long story short, I was greatly upside down in my car. Will refinancing now hurt my chances of a decent APR or getting a lease, say, 3-6 months later? Right now I'm not sure if I want to trade my car in for something with warranty or just refinance my current car. Thank you!