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Dead-- Free iPod Nano 1GB after first qualifying transaction(s) on New York Jets Extra Points MasterCard Archived From: Finance

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alert mods    
   posted: May. 7, 2006 @ 4:03p

Okay, my gut instinct is to do a monster BT any time I see a 0% offer.

However... since the 3% fee is uncapped, it complicates the math for me...

Let's assume a $10,000 credit limit (for fun), and a 100% BT, which gets laundered into a cash advance, to keep the math easy. The fee would be $300.

Now, I'm pretty sure I could invest that money nearly risk free at about 5%. Over 12 months of the 15 month BT, my total profit would be $200.

(of course the deal is for 15 months, but let's assume

... is a bonus 2% return worth the time, effort, and credit score wonkiness?


alert mods    
   posted: May. 7, 2006 @ 4:25p

I call the 800 #, option 3 and after entering my phone # it informs me the office is closed and to call during regular business hours. How are you guys getting a CSR?


alert mods    
   posted: May. 7, 2006 @ 4:49p

I will call tomorrow to make sure I was really approved, but soon I will be rocking my NY Jets Nano with pride!


alert mods    
   posted: May. 7, 2006 @ 4:53p

Wahoo, was approved! Not a sports fan by any means, but I'm a huge apple fan

Thanks for the deal OP!


alert mods    
   posted: May. 7, 2006 @ 4:54p

markkundinger said:Okay, my gut instinct is to do a monster BT any time I see a 0% offer.

However... since the 3% fee is uncapped, it complicates the math for me...

Let's assume a $10,000 credit limit (for fun), and a 100% BT, which gets laundered into a cash advance, to keep the math easy. The fee would be $300.

Now, I'm pretty sure I could invest that money nearly risk free at about 5%. Over 12 months of the 15 month BT, my total profit would be $200.

(of course the deal is for 15 months, but let's assume

... is a bonus 2% return worth the time, effort, and credit score wonkiness?

Having a large balance that you do payments on each month will probably help your credit score.


alert mods    
   posted: May. 7, 2006 @ 5:12p

Other "Extra Points" Team Cards

The Jets are the only team giving away nanos. BUT the reward catalogs actually look GOOD.

You can get 2 non-nosebleed tickets to a home game for 10,000 points. I also noticed I can get 2 tickets to watch a Redskins game from a luxury suite for 15,000 points.

If you are in a state where you can eBay tickets, you can increase the dollar value of reward points greatly.


alert mods    
   posted: May. 7, 2006 @ 5:19p

Did not get instant approval even though my FICO score is around 780. Actually, I've never gotten an instant approval on a CC app but have never been turned down for one either. The only time I ever received instant approval was for a mortgage of $178,000 over the phone. Go figure.


alert mods    
   posted: May. 7, 2006 @ 5:57p

I'm in for this. Hopefully the 1GB will be obsolete within 8-12 weeks and they will send out 2GB models.

I have a FICO of 815 and was denied instant approval. The only other time I didn't get instant approval was for the $150 gift card from the Charles Schwab card, which was also MBNA. I still have that card, so I hope I'm eligable.


alert mods    
   posted: May. 7, 2006 @ 6:00p

After entering my phone number the system informed me to enter it again. After entering the phone number again, it was transferred to a customer service specialist. Glad to hear that I got approved so quickly!

ShaneM said:I call the 800 #, option 3 and after entering my phone # it informs me the office is closed and to call during regular business hours. How are you guys getting a CSR?


alert mods    
   posted: May. 7, 2006 @ 6:06p

ben878 said:After entering my phone number the system informed me to enter it again. After entering the phone number again, it was transferred to a customer service specialist. Glad to hear that I got approved so quickly!

ShaneM said:I call the 800 #, option 3 and after entering my phone # it informs me the office is closed and to call during regular business hours. How are you guys getting a CSR?
Same thing for me, ph #, enter it again, says its going to transfer me, then says the office is closed and to call 9-9 M-F. What gives?


alert mods    
   posted: May. 7, 2006 @ 6:16p

There is no cap on BT fees, does this mean that we won't be able to take much advantage out of BT?


alert mods    
   posted: May. 7, 2006 @ 6:28p

Are we sure the website is secure?

Forgive my ignorance but why does the website start with wwwa.applyonlinenow.com
I could not find info about this. applyonlinenow.com is registered to Bank of America and not MBNA.

I understand the certificate looks good but can it be trusted? I am paranoid of security.


alert mods    
   posted: May. 7, 2006 @ 6:33p

anon94305 said:Are we sure the website is secure?

Forgive my ignorance but why does the website start with wwwa.applyonlinenow.com
I could not find info about this. applyonlinenow.com is registered to Bank of America and not MBNA.

I understand the certificate looks good but can it be trusted? I am paranoid of security.

BofA is trying to steal customers from MBNA.. OMG! They are working with the people form Niageria!

Seriously BofA now owns MBNA


alert mods    
   posted: May. 7, 2006 @ 7:07p

Called 800# and was told that I got approved, so glad
Actually I've prepared for the rejection, since I got too many hard inquiries recently: citi checking, 2 AMEX, 1 Sony...
FICO must have dropped down dramatically.


alert mods    
   posted: May. 7, 2006 @ 9:13p

got rejected from the instant approval...I might call the 800 number to see if I get approval. Students never get approved easily


alert mods    
   posted: May. 7, 2006 @ 9:37p

Just applied.
Thanks OP.


alert mods    
   posted: May. 7, 2006 @ 9:56p

Again not a huge fan of NY Jets...I was just wondering if I can apply the Jets cc and after receiving the ipod switch to the Oakland Raiders cc? Anyone has this experience?


alert mods    
   posted: May. 7, 2006 @ 11:56p

thanks OP! Just signed up.


alert mods    
   posted: May. 8, 2006 @ 6:08a

it has jets engraving on the nano, ugh!
i don't want that. i am not a fan of jets
this sucks!


alert mods    
   posted: May. 8, 2006 @ 7:22a

gomakeitreal said:it has jets engraving on the nano, ugh!
i don't want that. i am not a fan of jets
this sucks!

haha i could care less about the jets...but i need another IPOD to use while running. just found out im approved for 2500.00 whoohoo! so is it any combination of spending up to 100.00 i would imagine? not just one item over 100.00. I'll believe this when I see it.


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