New credit card or refinance car?

New credit card or refinance car? Hey everyone, This year, I focused on paying off a lot of debt and managed to increase my credit score from the 500s to currently 720. I want to avoid have high credit utilization in the future and want a good credit card with travel benefits (chase sapphire or amex), but I am also considering refinance my car since rates are better. I bought m...

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