@4sallypat wrote:FNBO is sensititve to INQ and BK for sure.
New accounts might be related to the number of INQ.
I will be waiting for about 6 months until I know for sure if I can get a 2022 F150 Lightning - reservation holder since May 2021.
If I don't get the reservation filled (PRO or XLT trim), then I may decide not to app for the FNBO.
March 1 I'll be 1/12 & 4/24 on INQs on EX, I wonder if that's doable for FNBO. 🤔
@Wavester64 wrote:
@4sallypat wrote:FNBO is sensititve to INQ and BK for sure.
New accounts might be related to the number of INQ.
I will be waiting for about 6 months until I know for sure if I can get a 2022 F150 Lightning - reservation holder since May 2021.
If I don't get the reservation filled (PRO or XLT trim), then I may decide not to app for the FNBO.
March 1 I'll be 1/12 & 4/24 on INQs on EX, I wonder if that's doable for FNBO. 🤔
@Wavester64 , I had a few Inq's for a mortgage on my EX when I applied. I was 0/12, 2/24 for revolvers but did have the Inq's from the mortgage search a few months prior. I had a 9 yo BK7 on my reports.
I would think you should be okay for FNBO, but perhaps doing a search for people applying for any/all FNBO cards and seeing how you compare may be best.
@Duke_Nukem wrote:I have it, and love it!
As stated, the best part about this card is that it gets a $200 STATEMENT CREDIT every year after $6000 in spend. So that in itself is a 3.33% cashback card (if you spend exactly $6000).
You also get the other points in FordPass Points. I've paid a lot towards service on my Ford by just using the points. Tomorrow's "The Works" will be free plus some left over after using my built up points from paying my auto insurance recently.
I've recently hit my $6000 spend and within a week or two was given my $200 statement credit. So the credit is handed out whenever you hit that threshold, not just at your annual date.
Recently, they had an offer to spend a certain amount (I think it was $1000) by a certain timeframe and get an extra $50 statement credit. Timing was right for me, as I paid my insurance during this period and met that offer's limit with other spend at restaurants.
CLI's follow the FNBO CLI procedures. I got my 1st CLI after about 7 months with the card. I'm due for another CLI now, just haven't made the call yet.
Highly recommend it if you have a Ford!
OK, so I have the Bronco like almost 2-months, and today I get a mailer that I am "pre-screened" for the FNBO FordPass Rewards VISA. Took a shot and got approved ($14K SL) 
So my question is - since I am already getting Points without the CC (Ford Pass?), how does one link with the other to accumulate the points - or does it now link automatically since I have a Ford now?
@Wavester64 wrote:So my question is - since I am already getting Points without the CC (Ford Pass?), how does one link with the other to accumulate the points - or does it now link automatically since I have a Ford now?
I actually don't remember how the accounts were linked, so maybe it was an automatic thing since I remember nothing about it? I, too, had a FordPass account prior to getting the card... so maybe it happened automagically!
And congrats, @Wavester64 !
@203bravo wrote:When I got my FNBO ford visa - the card automatically linked to my my ford pass account... and the points credit automatically.
Sweet!
@Duke_Nukem question for you.
My first statement closed - and I wanted to set up multiple payments from multiple accounts. After setting up my first payment, when I went to set up a 2nd, it was only giving me the option to either cancel the payment I just made or to adjust it. So does FNBO *not* accept multiple payments on an account? Or is that because that one was just set up, and once sent/posted I can send another? If multiples are not allowed, this is concerning, and it would be the first Lender/CC that I have that limits me with those types of transactions.
@Wavester64 wrote:@Duke_Nukem question for you.
My first statement closed - and I wanted to set up multiple payments from multiple accounts. After setting up my first payment, when I went to set up a 2nd, it was only giving me the option to either cancel the payment I just made or to adjust it. So does FNBO *not* accept multiple payments on an account? Or is that because that one was just set up, and once sent/posted I can send another? If multiples are not allowed, this is concerning, and it would be the first Lender/CC that I have that limits me with those types of transactions.
I've only ever made a single payment in a single month, so I'm not sure how FNBO handles multiple payments from multiple sources. That does same odd and restrictive from a larger FI though.