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And my credit score isn't bad, to boot. I have one delinquent record on it from a bank of all things, and I can't wait when that fucker drops off in another year or two. Every other bill I've ever had I have always paid early/extra/on time.

I might get a lower rate if I called and asked - but I don't want a fucking lower rate. It'll only apply to new purchases anyway. I want no more debt.