Originally Posted by kingsofcrunk

This is the way I look at it...

I don't plan to use it for little stuff like alternators, starters, etc since it has a $200 deduct. It's pretty much a forced savings account for the tranny. If something happens down the road to it, I pretty much have it prepaid. Other than that, yea, they are waste of time and money unless you have a $0 deduct which I should have gone with.
So 157db, how did you exactly manage to get it back to you? I financed through Compass Bank in Dallas (even though we don't even have one of those here) so I'm guessing they would just apply it towards principal.