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I had one for about 8 months with Househld bank and called them up and they knocked about 4% off of it. It wasn't exactly a refinance since it was the same company, but they did lower the rate for me. I would say after 6 months its a good time to try.

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Actually I was just trying to get a payoff amount from them, and I had to call customer service to get that. When I talked to the guy on the phone he asked me why, and I told him I was trying to refinance with someone else, so he initiated the offer to me. I did have to fill out a short form outlining the terms, but nowhere near as long as the initial credit app. And they did not check my credit, at least not where I see it on my credit report now.

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