We got a mortgage six months ago Our bank is already offering to lower our interest rates by 0.75% I think major banks are more like jellyfish than sharks; just brainless clumps of cells that bind into a loosely mutualistic whole
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So, the bank was happy to sell the note to Sallie because it was the optimal strategy then, and they’d now be happy to help me refi because they’d make a new round of fees off me Makes sense, and is a lot less villainous than my initial read
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That said, “never assuming the bank is bad at math” is my default state. My revolving credit bank keeps trying to get to the top of my wallet, not realizing that I only have (three of) their cards. Which is where the jellyfish comment came from :)
End of conversation
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