I also had a bad experience with Bill Me Later. They sent me one letter saying I had been rejected, and another letter a couple of days later saying I had been accepted.

It was so screwed up, I told them to cancel my account and I would pay it in full.

Do not use this service!!!

Bill me later continues to send statements late. When you can't get the funds to them the day the statement arrives they begin charging your account.. the next month the same thing. BECAUSE YOUR STATEMENT WAS LATE the preceeding month.. there is a 19 dollar late fee placed.. then they charge you interest and on that. My 19 dollar orek filter ended up costing me nearly 60 dollars through them . NO amount of calling would remedy the situation. They dinged my nearly perfect credit score with Late payments. I called customer service 5 times. People were rude. Finally closed the account completely.

I purchased a computer via Apple Store with the promise that if I used Bill Me later, the terms were 6 months interest free and no payments. Bill Me Later did not honor the terms set forth by Apple. As a matter of fact as a courtesy to me, they billed me interest charges while they were deciding whether or not they were going to honor Apple's quoted terms. THIS ORGANIZATION IS STEALING FROM THE PEOPLE! They don't quote the interest terms up front and it's not listed on their website. As a matter of fact, you don't see the interest terms until they send you the bill and they are 17.99%. Needless to say, I paid in full and canceled my account. My goal is to make sure everyone that I know does not get deceived into using this CONSUMER SCAM! They are targeting every retailer as customer. Even Continental Airlines is using this option. DON'T DO IT. They are lying to the public and are not honorable nor operate with any integrity. It's ashame that this world is coming to such things. I believe in doing what you say and saying what you do. BILL ME LATER believes in robbing the poor to make themselves RICH! By the way, Apple didn't do anything either. It's all about the money for them too!

The system sucks at bill me later I had been approved for purchases over $2,000 but now I am getting denied for a $600.00 purchase. my monthly pymt for the last 6 months ranged from monthly amounts of $200-$1620 but the representative and manager stated my new purchase was decline b/c of of pymt history and spending pattern. They are crazy any one that pays over $150 of their monthly amount billed and on time is a good customer worthy of credit approval esp for amounts that they have shown to be able to pay.