I've had the card for 8 months. My FICO is 700+, DTI is currently 9%, yet the line is only a grand. By FAR the lowest of any credit card I have. MY gas card has a higher line. I've spent 16k and paid off the balance multiple times a month due to use. My sole reason for getting the card was points towards service, parts, etc. after we bought our new Bronco last year. FNBO has yet to increase the line as requested. After reading these comments I understand why. Not to mention they pulled an unauthorized hard credit inquiry after I told them not to. Their reply, "people make mistakes". So yes, I'm contesting it so Equifax will remove the 3 point hit. The biggest and BEST perk with this card in Ford Pass Points. I've had my Bronco for a year and haven't paid a dime on service or parts.

The worst experience I ever had,no way to contact them,I purchased a car with financing 4years ago,I returned the car after 2months because i couldn’t continue to pay,today 4 years after the report to the credit as repossession The account is closed with 0balance for almost 4 years

This has been a pain from beginning to end. I was so happy my lease was up. I wanted to buy the lease but do not want to buy it via Ford. They won’t release any paperwork to me unless I come in. I’ve bought leases from Subaru and Honda, pieces of cake. Ford just wants to play games to get you to come back in. Sleazy stereotypical car salesmen. Never buying another Ford. Guess it’s time to be a Chevy guy.

Terrible customer service. Terrible attitudes. No ability to assist anyone with actual relevant account issues or employees with intelligence above a flatworm. I will not be using FMC ever again and will tell all my Texas friends and colleagues the same. Sadly - it was great for years prior.

Stay far away

I’ve leased 3 cars from Ford and have always had a good experience. That said I do a lot of research, I take in the deal that is published through Ford and I never have a problem.

No communication efforts on their end just a bunch of lies telling you how they are going to get your dealership to fix your car so you'll keep making payments, they do not stand behind their products anymore as I have just learned, sold the mustang within 2 months as it was a $70,000 lemon that Ford not the dealership was interested in fixing.

Ford credit is a joke! I was turned into collections due to them switching me over to paperless statement without my knowledge and fell behind. Wrote a letter to them and was basically told they would not help me out. NEVER EVER AGAIN!! Think twice and do your research!!!

I don’t have any reports on my ford t350 from Ford

I thought I had auto-pay set up but it was a one time and caused a late fee the following month. They even reported right away to the credit bureaus that caused an extreme drop in my credit score. Bad move. I should not have bought an american car.