I have A LOT of inquiries on my report because I am an active CC churner, yet my credit score is in the 830-835 range depending on the day. Inquiries have a fairly minimal impact on credit score. I doubt this is really going to effect someone with high debt/income ratio and a high credit score.
This is a special finance approval incentive that allows you to get bumped up one tier and get a tier better rate if you are approved. It has nothing to do with the rates available when you order your vehicle. 0% for 36 months was available when you order your vehicle and as long as the dealer uses the protect date instead of the sale date you should get those rates.
You should be fine. Credit inquiries fall off your report in something like 30 or 60 days.
Can the protected date interest rate of 0%/36 be combined with the farmers bureau $500 rebate?
I am 99.999 percent sure the answer is yes.
Same
My credit card churning days are coming to an end. After 28 credit cards in 6 years I’m burned out. I actively use 8-10 cards and average ~4.2 percent cash back. That doesn’t include the thousands in bonuses or the value in points.
2 years (hard inquiry)
They have or had 0% for 36 months. If you can swing the larger payment, that's free money. I guess inflation might make that a less attractive offer if it continues past 3 years.
Well I'm suppose to get my truck 4/12 so we'll see what my dealer has to offer
