Re: AOD 3% Visa Sig & 0% Ford Motor Credit Approva... - myFICO® Forums

Mv350 · ‎04-15-2020

Ok here we go again,

This past weekend I got an email from the Ford dealer where I purchased my last car and decided to try for the 0% deal and trade my car in. I was getting my reports ready for a refi on my car anyway, which was at 7.99%. After a couple hours I left with a 2020 Fusion 0% for 72 months. They pulled TU auto 8, 731. They said they were going to pull EX but didn't wait for me to unfreeze it, and ended up going with TU instead.

2020 Fusion SE

Since my perpetual seedling was back to day 2 and I started reading about the 3% card in the CC section, I decided to pull the trigger on that too. Couple of reasons. 1.) I can not get approved for the Citi Costco Card at all, I've tried and always get the NOSoupForYOU!! 2.) I read that they pull EQ5.

My last EQ5 pull from DCU was 671, I'm not sure what it is at approval though.

This is my first Visa Signature card, and my first EVER 5 figure approval!!!!!!

$10,000 @ 9.990% I was blown away. Just funded my account over the phone. The CSR's are extremely nice and helpful.

AODFCU 3% CB Visa Sig 10k @ 9.990%

TCL- $38,150

Now that I hit my goal of a card that can be used at Costco and get CB while doing it, plus the auto approval. I should probably try to garden for really real.

Edit: additional information

Ford motor credit allows half payments each month as long it meets or exceeds the payment due.

FMC when making extra payments it shrinks and pushed out your next payment. Essentially you could prepay and not have a payment due for months.

oh and Happy Hump Day!

HUMP DAY!