free ipods

[azn2nr]

sign up here http://www.freeiPods.com/?r=12754090 and get a credit card for more car parts. profit with a free ipod. (after 5 referals)

[BAC5.2]

Scam.

[vrg3]

Apparently it's not actually a scam. Although their terms specify that they don't have to actually give you anything, people do get their iPods.

[91White-T]

Yeah, I saw a story on the news about it. It is legit, but it will probably take forever to convince 5 people of that.

[azn2nr]

many many people have gotten theirs over at nabisco. others have gotten free flat screens and other stuff too.

[BAC5.2]

I'll pass until you get your ipod.

Getting lots of credit cards is BAD for your credit score. Every credit check shows up on your credit report, and to many inquiries on your credit report drives your score down. When you apply for a credit card, your score gets checked, and your score goes down. On top of that, the credit card company (this one for instance) makes a tidy profit off of interest with low introductory rates and high as Dave Chapelle rates after the first month. Pretty much, more than one in 6 months for the same type of item will drive your score down. Lots of inquires is BAD yo.

I don't feel like potentially ruining my credit score by signing up for a shady card. What is the companies history? Who is the card issued through?

Plus, it's REQUIRED that you make a purchase with the card you sign up for, which binds you to that card and costs you a release fee and likely requires an annual fee to maintain.

You might get a free Ipod, but you might also be unkindly asked to pucker up and grab your socks.

[azn2nr]

the card is a citi master. its a college card so its a non apr no anual fee. and max percent or 9%. pluss pay your damn bill and you wont pay interst. that and this is my first card inquiry so it wont drive my credit score down farther than none. plus you build credit by paying your balencce in full every month so all i have to do is use it to pay for lunch which is 30 buck a month and be good. ya dig

theres a visa avaible too.

[vrg3]

There are some options other than signing up for credit cards. Some are just signing up for memberships at certain web sites or doing a free trial of some service or something...

[BAC5.2]

Jason, It won't build your credit to pay $30 a month. That doesn't show any kind of stability.

Oh, and most introductory rates are void once you miss a payment. If you miss a payment one month, you usually incurr significant charges on those types of cards. I hope you at least read the fine print.

College cards are awesome tactics for credit card companies, but it's obvious that you've already taken the card, so it's useless to bring that up.

[azn2nr]

just as long as you pay your bill no matter how much or how little it still shows that your respossible. that and i wont miss any payments. i may be young but im at least a little bit responsible when it comes to money.

ill probaly still just stick to my debit card as much like you im not a big fan of credit cards as ive seen them ruin too many lives. but if getting one is what it takes to get a 300 dollar ipod than ill take the risk

[BAC5.2]

I deal with credit on a daily basis.

Did you read the fine print of the offer? In the instance of credit cards, you must remain an active holder for 6 months (I don't feel like giving out information for advertising, so I didn't read the specifics of this stuff, but I know for some of those other free stuff sites, this is the case. Some I saw, even had minimum balances you had to acheive monthly).

And no, $30 a month doesn't show any responsibility. It shows that you can bum $30 bucks a month, or pull quarters from the couch cushions for that kind of money. Credit gets REALLY effected when you get to significant and durable monthly payments (a car, for instance, is a great way to build credit).

You know what the credit buearu sees when someone buys a car and then pays it all off in the first month? They see that the person sold the car and scrounged up the difference on the loan because they could not afford to own the car. It's not the credit buearu's job to research your life. If you don't have an income (a job that you report taxes on), you'll have a hell of a time building a solid credit platform.

[azn2nr]

oh i have income. what i paid in imcome taxes last year was a bit more than what most kids my age see in a year. but the thing is i would love to buy a car to build credit but all the cars i want i either have to front the cash to get (ie jdm skylines and such) or i have enough at hand to get it on the spot. that and i have to be cosigned for loans being only 18 and all and my parents wont even cosign me so... ye know...

there are so many ways to build credit but most all except for getting a card require even a little bit of credit. even a cellphone requires credit.

[Tleg93]

Actually, having credit cards with high balances, assuming you don't charge them up, is good for your credit score. The problem is that most people charge them up. Frequently, you'll get an offer to transfer a balance at 0%. If you do that and don't keep charging up the other card it's a good thing.

[BAC5.2]

The higher the balance, and the more significant the payments, and the length of time with the balance w/o missed payments is what's GREAT for credit.

You can always get around a cosigner, but you've gotta eat the payments of BAD credit.