This is a legit Home Business. You can use it in so many ways. One of my hacks to this Business is SHARING the offers on the offer page and printing out the applications and having friends and family apply directly thru me, insuring that I GET THE CREDIT. Example. I print of Netspend Credit Card Application and I ask people if they want a new credit card. It yes, I get an additional $20 for each referral. But if I go over $350, I have to register as a small business (goes to show how profitable it can be).
So, no excuses, there are more ways to cross the bridge.
Have a great New Year.