<prompt> Human: Im 26. My current APR is 5.89 on my 2014 Honda Accord LX. On credit karma, I was alerted that Im paying too much compared to other people with my current credit score 720. Should I attempt to refinance? RateGenuis is giving me a rate of 3.7. Im just worried about it hurting my current score.  <response>: Isnt paying as little interest as possible the major selling point of having a good credit score? 