Entry Form: https://gmac.eprize.net
Enter every day for your chance to win one of the following:
* One First Grand Prize: A 2008 Pontiac G6 Coupe, a $1,000 ExxonMobil prepaid cash card, and $6,000 that winner can use toward applicable taxes.
* One Second Grand Prize: A 2008 Chevrolet HHR, a $1,000 ExxonMobil prepaid cash card, and $6,000 that winner can use toward applicable taxes.
* One Third Grand Prize: A 2008 Chevrolet Cobalt, a $1,000 ExxonMobil prepaid cash card, and $6,000 that winner can use toward applicable taxes.
* One Fourth Grand Prize: One year of mortgage payments – up to $10,000.
There are also thousands of instant win prizes, including:
* Pre-activated XM NeXus 25 Radios with three (3) months service.
* $10 Lowe’s Gift Card.
Expiration Date: 3/31/2008
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Answer the question correctly for another chance to win. Here's the question I got:
Q: "True or False: When creditors evaluate your income, they can't legally refuse to consider income from public assistance in the same manner as other income."
A: True
Q: "True/False: If you are denied credit, the creditor is not legally required to explain why."
A: False.
Q: "True or False: A rebate is always a better choice than a special finance rate."
A: False.
Q: "True or False: A creditor can deny your credit based on your marital status."
A: False
Q: True or False: Gap protection is often included in your lease agreement at no additional cost.
A: True
Q: True or False: Your credit report is available to anyone, regardless of the reason.
A: False
Q: True or False: It is possible for two or more people to purchase the same make and model of vehicle and have different monthly payments because of the optional products they have chosen.
A: True
Q: Which of the following is a contract with a Dealership to buy a vehicle on time by paying the purchase price plus an agreed-upon finance charge over a certain period of time?
A: Installment sale.
Q: How can you find what your credit history looks like?
A: Contact a credit-reporting agency.
Q: Why is it important to maintain a good credit history?
A: Because a good credit history can generally help you negotiate for a lower finance rate.
Q: What is one of the major differences between buying or leasing a vehicle if you choose to buy?
A: After your term of financing is over, you are the owner of the vehicle and your name is listed on the title. The vehicle is yours to sell or trade-in at any time for another vehicle.
Q: True or False: No fault insurance is also known as Personal Injury Protection.
A: True
Q: True or False: Monthly lease payments are usually lower than monthly finance payments when comparing leasing and financing for the same term because you are only paying for the vehicle's depreciation during the lease term, plus rent charges, taxes and fees.
A: True
Q: Which of the following is not an item to consider when calculating a lease payment?
A: APR
Q: True or False: Optional Credit Life Insurance is only available with a lease agreement.
A: False
Q: True or False: It is a normal business practice for the Dealer to retain some portion of the finance charge as income for the Dealership.
A: True
Q: What is the purpose of a service contract?
A: Protects owners against unexpected major covered auto-repair expenses.
Q: Which of the following is not something a creditor will look at before granting you credit?
A: Where you live and your living arrangements.