Clark received two offers for free Dell computers in his Inbox over the past week. Do you think he responded? No! These offers are usually from credit card companies that end up taking more from you in interest than the computer is worth. The companies claim the notebook computer is worth $850. And you get the computer if you transfer a balance of at least $5,000 and if you maintain a balance of $3,500 for at least 18 months. When you figure out how much interest you will pay over time, you could buy a computer for less. It’s from a company called “Up Front Rewards.” A second similar program is offered by Blue Hippo, a company mentioned numerous times on the Better Business Bureau site. The company is famous for it’s slogan, “Bad credit, no credit, no problem.” It is offering a computer for $1,820. And when Clark went to check it out, the actual price is under $300. Steer clear of these ads!