How to build credit

[bluef0x]

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I took a brief look at apparama. From what I gleened, the objective is to sign up for credit w/ 0% int, get cash advances and put the money in an interest paying account.

I get a ton of these offers in the mail, but don't they have different standards for cash advances as opposed to purchases?

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You certainly have to read all of the fine print before jumping into something with this much risk. For example, some cards let you have 0% as long as you make two purchases a month... a tiny mistake like not knowing that could cost you thousands of dollars.