Confused? Can you explain? What is a "4 month holding period"? Do you mean if you take the $1k Bonus Cash from Chrysler (CFC) you can refinance anytime? If so why did dealer tell me I could not refinance until after I made 3 payments? Also one dealer told me the minimum is $3k, another said $5k and another stated $10k?
The dealer tells you that because Chrysler will revoke the kickback to the dealer if you cancel or refinance prior to 90 days. If you do plan on refinancing, don't tell the dealer. Not sure about the $$ amount, but I could surmise that they may get a sliding fee based on the amount financed and each one comes up with their own minimum.
As is standard with most dealers, don't believe anything they say unless you see it in writing (contractually) somewhere.