I did the 722 redemption loan last May, and when I talked to the guy @ the Jake Sweeny/Smartmart place (didnt end up using them though), he mentioned that after 6-12 mos of on time payments, i should call US Bank and ask for a review of my APR, and they will lower it. Has anyone done this? Or should i just do a trade for a car that isnt driving me up a wall (i've had to do major service to this pos 4 different times already
)?
)?