Hey guys. Finalizing the deal on my FiST. My plan from the beginning has been to take the extra 500 incentive for using ford finance, but as we all know their rates suck. Plan is to immediately back door refi with my CU. The finance guy told me that I have to make 3 payments or there will be penalties/charge backs. Now I've heard on the forums that it's BS. Has anyone out there that has immediately refi'd (within 30 days) that can comment on this. Just want to know exactly what I'm walking into.