Do you work for PayPal?

I’ve read about this, and I’ved looked into all of these fourms. I can pay it off in 6 months assuming the interest rate is 18% — but that is where I am stuck. How much would the monthly payments be? Do they determine what it would be? Are we allowed to view the monthly payments before we agree to buy the product?

I’m just too confused and now a little weirded out by this company. I am allowed to use them if I’m only 17? Like I said, I go to school in the October and without this computer, I won’t be able to do anything in my classes unless I can bum someone’s macbook. Any advice or information, please e-mail me.

justinfiddi@gmail.com — e-mail me other options of what I can do. I’m not looking for some trash bag of e-mails just telling me about your horror stories, or how stupid I would be for using the service. I just need solid information. I’m doing my research.

Thanks,
Justin.

If you do need to use a service like this in a pinch – like you need a new motherboard for your PC fast and you don’t have the cash on hand to do it – then do it and pay off the full amount within two months at the very latest. If you must mail in a check, send it certified mail (it’s cheap to do at the post office) so you can prove your letter was sent.

These companies make money by trying to catch people that pay too close to the line or by pulling funny business that isn’t illegal – just immoral. If you don’t pay on time, they will back-charge you all of the interest (like many “no payments for x months” programs) and will charge you very high interest rates.

Credit cards are bad enough, but they’re not as bad as this, so just stick with normal cards if you must buy something you can’t afford with cash.

Bright idea, pay your frigging bill on time.

That is most every credit card company out there. I can give you documented proof of several “merchants” that sell major credit cards which do that.

I’ve used Bill me later for over 2 years and NEVER had that type of problem out of them. If you pay your bill on time then you don’t have to worry about it.

Also, if your not going to pay your bill then why even bother clicking? Very insane, to say the least.

OR, how about setting up accounts for people with the 90 day SAC, but not telling them their credit was declined for the account then charging them the first month with penalty. then calling them on weekends up to 11 times a day for collections amounts of $3 ( confirmed cases there )

Or that representatives do not release their names, a stage name, an agent number, nothing when you call? that they are rude, unknowledgeable, and patronizing?

how about the fiasco with Earthlink? tell them about that.

or the double accounts set up and double billings of hundreds of people?

charging late fees for payments made online, on time, then making the customer send bank statements in to prove it when it shows right in your system. then sending it to your investigation team for up to 30 days while you continue charging amounts to that account?

need i go on?

i see several people claiming to be reps of this company trying to defend their name on forums and chat boards.. i’m sure it’s a team there trying to fight off the bad publicity… guess what?

too late.

I work for Bill Me Later and also use it frequently to make online purchases. In many cases, I’ve saved significant amounts of money shopping through Bill Me Later because of special customer-only discounts and promotions. And I can choose whether I want to pay my balance in full or pay over time, depending on my current circumstances.

Bill Me Later has been featured positively in national publications such as Business Week, Forbes and Consumer Reports. And consumer advocate Clark Howard has raved about Bill Me Later on his radio show.

I would encourage readers to check out Bill Me Later for themselves at http://www.billmelater.com to decide what’s right for them. For me, the safety and convenience make it a top payment choice.