Hey everyone, I got this via FedEx and even though it has addresses and phones for Citi I want to make sure that it is not a “trap”. It just sounds to easy.
The idea is that by paying $475 via check and mailing them back the agreement, my interest rate goes from 4% (don’t ask) to 3.5%. They say this is not a refinance.
Anyone has done it? Any pros/cons?
submitted by /u/jonromero