Just hook your BB up to your computer. Open my computer, find the ringtone and drag it to your BB. I get all my ringtones on my BB. Easier than transfering.
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You still want to turn on the card. You should consider getting a memory card. Al my pics & ringtones and even some documents are on mine. They are not expensive and saves tons of memory.
Posted from my CrackBerry at wapforums.crackberry.com