Ford Credit charged me $75.00 to process an application that did not even get approved! Not only are they charging me for it at the same time as my $300 car payment, but they are making me pay it 2 months after my paperwork being denied!! What an awful thing. I have been a loyal customer to them for the past 5 years, never had 1 late payment & they do this to me? I will never ever use them again, nor do I recommend this credit company to anyone.