When considering a financial service, I would avoid making a decision based solely on the advertised rate or initial offer. The important part is understanding the full cost, including fees, repayment conditions, eligibility requirements, and what happens if circumstances change. I also think keeping copies of the agreement and all payment records is essential if you ever need clarification later. Before starting a conversation with support, I’d look through top fin to see what kinds of questions other customers have raised and then make sure my own request is based on the actual account documents.