Lol oh banks…. always trying to get me to apply for a loan. Even my own bank tries to convince me I should apply for a “double interest rate discount.” Then they really try make me feel special because it’s a SPECIAL PROMOTION. I swear they are starting to look like those slimy douchebags at the clubs. You know, the guys who think they can get in your pants by buying not just you but all your girlfriends a cocktail. Sorry banks but it’s going to take a special someone to fall for your romantic letter of ” We want to help you pay down your debt.”
If you receive one of these letters and feel that your bank is there to help you, my dear stupid friend just save yourself the time and give them your money. Literally just go up to a banker and hand them your money and tell them you want to screw your life even more. It’s a lot less headache and cuts all the expected bull crap of them raising the interest rates when you least expect them to.
You can also be like me and shred the sucker.