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Old 11-16-2011, 04:31 PM
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Bill me later question

Does anyone do this? I am sooo sick of seeing it in messages, at checkout, etc I just might try it...good idea or no?
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Old 11-16-2011, 04:34 PM
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I do it when you get extra ebay buck for using it lol. its just like a credit card, you either make payments or pay it all off at once.
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Old 11-16-2011, 04:39 PM
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It's so annoying getting the stupid option every time I check out... if you pay in full at a later date do they charge an interest?
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Old 11-16-2011, 05:06 PM
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^Yes, it is exactly like a credit card except that only certain merchants offer it. So they charge interest if you carry a balance. If you pay it off right away, no interest.
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Old 11-16-2011, 05:24 PM
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hm thanks, I don't think that I will do it. I JUST got all my credit cards all payed off which is nice, no more for me.
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Old 11-16-2011, 07:51 PM
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Also keep in mind they will run a credit check on you, like when you sign up for a new credit card. I know it is a very small amount but these checks DO lower your credit score every time you have one done. It can add up! Just something to keep in mind!
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Old 11-16-2011, 11:21 PM
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I was wondering if they did a credit check. I don't remember them asking for a ss number? Or does paypal already have that? It has been ages since I signed up for my paypal account.
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Old 11-17-2011, 08:22 AM
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They do ask for a SSN. They use it to identify you when you make purchases.
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Old 11-18-2011, 11:08 PM
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i have always been curious about this it is always there at checkout and today i got a "special invitation" message in my ebay inbox for $15 if i use it maybe i'll give it a go just to get the $15 ebay bucks but i'm refinancing right now so certainly don't want to mess with that for $15

what to do... what to do..
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Old 11-18-2011, 11:49 PM
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^Bill Me Later does offer certain purchases (but with great retailers imo) with 0% interest for 6 months - so it has come in handy for me.

Love the 0%, but if someone doesn't pay it off - the interest obviously kicks in...wouldn't be great then.

And to the OP, BML claims that credit checks aren't "ongoing", inquiries won't be on your report (or something like that) - but to apply, yes they do a credit check - you can be denied. Only know that from my neighbor - he received the "letter".
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Last edited by emma279; 11-18-2011 at 11:50 PM.
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Old 11-19-2011, 10:22 AM
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We've use BML for purchasing a tricked out MacBook Pro for my oldest (college required it) I had it paid off before the int. kicked in and it was like 19% or more

They send me monthly statements, telling me I have x amount available for purchases, I wish they would not do that, to much temptation
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