 if you look up and it's a year later ask him call him back and say hey listen i've banked with you guys forever you guys offered me this deal but i'm doing this that snowball will you refund the amount of interest that accrued over this past year here was the offer that i was given see if you can get that in writing and that way get the deal in writing and even if you don't take it now bring it back to them in a year and say hey they offered this but i was doing my debt snowball here's what we've paid off