If you cannot convert then HBD is kind of useless.
On the interest rate, the interest has gone down some but not has much as it probably needs to. They should def slowly reduce the APR though. A giant reduction in the APR could just lead to a whole bunch more conversations.
If you cannot convert then HBD is kind of useless.
On the interest rate, the interest has gone down some but not has much as it probably needs to. They should def slowly reduce the APR though. A giant reduction in the APR could just lead to a whole bunch more conversations.