We have been customers using the Bill Me Later plan for a few years now. Our bill has always been paid in a timely and regular manner. I recently went on-line to purchase the Nutrisystem plan and was denied. I called Bill Me Later to ask why I was denied and explained that we have always been on time and paid more than the minimum. The response was, " Bill Me Later has the right to decide what they will / will not approve." I then asked her what our spending limit was and she replied, " Ma'am, we don't have credit limits, it is based on your spending patterns." That is the craziest thing that I have ever heard. I then asked her to take a look at our credit report and payment history. Her response to that was, " I'm sorry ma'am, we cannot do that. Bill Me Later decides what they will or will not allow." Sounds like CIT Bank / Bill Me Later has a nice little racket going here. They can pick and choose whatever they want to approve with no restrictions or guidelines to have to follow. Nice way to slip through the cracks. Oh, and I asked her if we paid off the balance, would they approve the charge and she said, " No ma'am." That just doesn't sound even remotely legitimate. They are definitely not a professional bank organization and have poor customer service. I will never use their services again in the future.