Latest responses to “The Best Credit Card Offers and Free Money Rewards” Copyright 2012, MoneyBlueBook.com 401760 2010-11-16T20:15:31-08:00 jazzyGirlJazzywoman im 21...just turned 21 and im trying to BUILD up credit...just got a bank account and savings at wells fargo and im just curious how to build up credit i tried opening up something at a jewlry store got something real small now paying it off is this going to help i hopefully want to be able to buy a car by the summer and by next year move out of my parents house...any ideas? 401750 2010-09-11T02:45:08-07:00 JC FICO scores aren't important if you don't use credit. That's what's wrong with our consumers today -- head over heels in debt. Pay cash and FICO scores are a non-issue!! We pay for everything on our cards - and we pay off our credit cards every month - always have - don't have a huge income - never had any debts other than small mortgages - own our own home now - are retired - and we sign up for all the free miles cards we can tolerate, just for the goodies. Never been turned down for a card - cancel every time the annual fee comes around after I've collected the freebies or best mileage deals. (It's a hassle, yes, but the free trips really are worth it! As long as they offer, I'm going to receive!!) All of that "abuse" of their system, and our FICO scores are right at 800. So those dings really don't have to matter -- you can still get lots of cards if you use credit properly by paying off your balance every month right on time! Best wishes! 401740 2010-06-11T23:21:41-07:00 jermonte What? Buy Silver, whatever mann. Yea, but silver then lose your money like buying a car, but you don't anything cool to show except a lump of metal no one wants. Loser. If you really want start a revolution make hypershort term trades on the market with enough leverage to buy a lamborgini. This starts to add up fast. I net $4600 over the past 60 calendar days. 04/05/2010 to 06/08/2010. My system is a revolution in the making because they can't stop it. Good Times. Tell you what, I will flip cash and you can but lumps of silver and we'll see who's ahead next year this time. I think I got a headstart on you, I am up 30.7% YTD and all gotten over the past 60 calendar days. 401730 2010-02-21T06:01:23-08:00 Steve Credit cards are the only avenue of credit availiable now for loans if you don't have the cash up front.The banks are not loaning money, I know ,with a FICA score of 739,a $72,000 per year job the credit union I have been a member of for 21 years jerked me off for 8 months going from one office to the next, finally got the property appraised, after i hired a lawyer for $500 to check out the that the trust was valid.All so I could switch my B of A variable rate Home Equity loan over to a fixed interest rate. 8 months and on Dec 31rst they told me that my loan ratio wasn't high enough! I don't have a mortagage! the house is PAID for.It's just a home equity line of credit.This was Alliant Credit union.Now...US bank is not answering my calls or emails, the Loan officer is stalling, just paid $375 for another appraisal.These people are all LIARS.I do have a plan.To use credit cards against the banks.Let them taste thier own crap.See Debt Revolution on youtube.Screw the Bankers.Go to the casinos and cash your checks, then save 20% every payday in Silver Bullion.HYPERINFLATION IS HERE.By physical silver.Get the book "Bankruptcy Of Our Nation, 12 Key Strategies For Protecting Your Finances In These Uncertain Times" Jerry Robinson.Ask me about silver if you want to know more.email: satoners@gmail.com...... Steve. 401690 2010-01-04T12:33:33-08:00 Wary Mary There are no free lunches...someone always pays at some time or in some way. In regard to FICO scores, you may pay in higher car insurance or home insurance if your FICO score falls. These scores are used unfairly in many other ways we know nothing about. I have redeemed points for some nice gift cards, but that does not compare to the costs incurred by way of hijacked interest rates from these card services. Consumers beware! 401710 2009-11-27T12:05:20-08:00 CreditMuncher I love my Discover Cashback bonus card and I think it ����s the best deal (at least for me) among credit cards. I also look at Chase Freedom card now. It offers pretty good rewards. I beg to differ on BOA Platinum Plus since the reward is only half the amount of what Discover Cashback offers. 401660 2009-10-17T17:14:11-07:00 GIVEmeALLtheFREEmoneyYOUhave Funny stuff. I"m not a college student...haven't been for 30 years but do enjoy getting free money any chance I get. I limit it to the 100 dollar offers. But then again, I'll sign up for a card or open a new account for 50 too! I've made over a thousand dollars this year....and next year won't open one account but must say...I have excelent credit and get the best deals offerred....my 810 credit score WILL definitely take a HIT after this year, all these freebies will definitely cost me but next year I won' sign up for one and it will only drop to 780 and then it will bump back up after a year. FREE MONEY IS FUN and if handled and opened accounts are managed correctly, can increase your annual income by a couple grand a year!!! I LOVE IT. 401610 2009-08-22T11:26:34-07:00 Carl Schaefer Why can't we see what gift cards you have for Targets, Macy's, Walmart and more??????? 401620 2009-08-21T15:58:15-07:00 RacerX Hmm.. I get "free" rewards on purchases I'd make anyhow (I travel extensively for work). How is that a bad deal? As far as FICO scores.. umm yeah. That's a big crock. 401720 2009-08-20T18:07:58-07:00 Carl Schaefer We would like to redeem points for gift cards ---- we can not get the price of the gift card for the points. Can you help us? Can you send us a catalog so we can redeem the points? The address is: Carl Schaefer, 700 Port Street, #104, Easton, MD 21601, Thank you