If you ever pay more than what is due, they will save the rest and apply it towards next months payment!! I just can't stand that nonsense any more, hence the need to change banks ASAP!Ĭopyright ©2001- Fair Isaac Corporation. you either pay the monthlies or pay off the balance at once. They don't let people pay more than the monthlies. Is that for a new or used car?Īnd I have researched it online it looks like that's what Wellsfargo Dealership does. What is Wells Fargo doing that prevents you from paying more than the monthly payment?Ģ. It has not been updated as paid wrote:ītw, the other car I just paid off reports to only equifax, which has my score at 706 on creditkarma. Every opinion will be appreciated.ītw, the other car I just paid off reports to only equifax, which has my score at 706 on creditkarma. That should not be legal in my opinion and with my scores, I feel i deserve better than that. If i ever pay more than that, they will pay off what is due and hold the rest to pay for next month. Like I said before, I have no problem with the rate at 7%, I just hate a company that will not let me pay more than my monthlies. my discover says it is at 736 but that is because their score is from 2 weeks ago and barclays is more recent. And with CC companies offering 0% balance transfer checks all the time I want to be able to make use of that opportunity sometimes to pay off the car but wellsfargo will not let me.ĭoes anyone think I can refinance even though the loand is not yet up to a year? Do I have a shot at DCU low rate refinance?Īs for my scores, I only know My transunion score for sure and it is currently at 746 according to barclays. it only took me 15 months to pay off the first ever car I financed and I believe i can pay this one off within 3 years too now that I only have one car payments to make. They want to **bleep** me for the full interests over 5 years. I am not switching banks because of the rates really, i am switching because Wellsfargo will not allow me pay more than my monthlies. I could use my local credit union but I usually dont have time during the week so I am looking for something I could do online without needing to go to the bank. I have had this auto loand for about 7 months and was wondering if it is possible to refinance with another company say DCU. i still have high balance on two of my cards but that's because they are on 0% APR for another 12 months. I have a car loan with Wellsfargo at around 7% APR!!! Though I think that is a little high for my score level but I got the loan when my scores were lower due to high balance on one or two of my cards and another auto loan that i just paid off.
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