My Credit Card Company Wants to Give Me a Home Loan Refinance

Yesterday I got an interesting offer in the mail. My credit card company wants to give me a home loan refinance!
Because you have shown financial responsibility, we are sending you this special offer. Refinance to a low rate of 6.28%!
The offer goes on, of course, to expound on the things I could do. Save money on interest! Take some cash out to go on vacation! Take cash out to improve my home! Take some cash out to pay off my credit cards!
Unfortunately for my credit card company, I pay off my credit card balances. I have a special fund that …read more