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Should Be "Screw Me Later"
Posted by Barbyr on 02/26/2011
BEWARE! Bill Me Later manipulates your PAYMENT DUE DATE so it does NOT CORRESPOND to the date your 6 MONTHS NO PAYMENTS offer expires!

When I open my bills, I look to see when the payment is due. Right? I'll bet you do that too, because woe! to the poor schmuck these days who pays their bills late. So my final payment to SCREW ME LATER // I mean Bill me Later is due on March 8th. But wait! Elsewhere, I find the offer expires March 1st.

SO EVEN IF YOU MAKE YOUR FINAL PAYMENT ON TIME, you'll get socked with the interest payments that accrued on the entire balance! Is this a coincidence? Of course not. Bill Me Later relies on an innattentive consumer to TRICK them into paying the heinous 19+%. They want you to overlook their underhanded scheme so you're trapped.

AND THEN THEY further TRAP YOU by making it difficult to make a payment quickly to avoid paying the interest. Can you make a credit card payment? YOU CANNOT. Can you make a PayPal payment? After all, this company is owned by PayPal! YOU CANNOT. The only way you can make an emergency payment is by ACH debit to your bank account - and I'll bet they manage to delay that payment until your "no Payments" offer expires.

I always respected and trusted PayPal before this - and I've funded thousands of dollars in transactions, both buying and sell via PayPal - but they jumped the shark with this scheme. PayPal will rue the day they started this devious business.

Oh, I almost forgot: their "customer service" personnel are trained to mindlessly repeat "Your statement is printed correctly - it's up to you to blah blah blah.. in essence they are saying "You got screwed, but we have our asses covered, so we're not going to help you."

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Posted by trmn8r on 2011-02-26:
I'd never do business with a company that is called "screw me later". I believe in delayed satisfaction in general, but it doesn't apply to everything.

With 0% offers, you have to be scrupulous about the payments, and the last payment as well. I remember a Home Depot 12 mo 0% offer, and the last month there was a change in date.

You have to open your bills promptly, as this lesson teaches you.
Posted by tnchuck100 on 2011-02-26:
These 12 month no interest deals are great. But you MUST be aware of the game and pay it off in the 10th month to avoid their shenanigans.

REMEMBER: In these deals the cards are ALWAYS stacked against you.
Posted by wanda on 2013-05-20:
Bill me later rips off the consumer,same problem my statement due date was 5/24/13 went to pay bill on the 20th and was socked with a late fee go figure,why company's want to put their employees with company's like this is beyond me RIP OFF is what bill me later is,if you have to deal with a company like this best to send payment before you have to have it or get your dr.to switch to a different brand under the wal-mart plan less headache and no rip off
Posted by Tiff on 2013-05-23:
I would never use bill me later! I made a purchase with last month and when I was checking out I saw Bill Me Later and clicked on the terms. It said if I spent a certain amount that it would be 6 months no interest and no payments. So, I thought why not? Anyways this week I received my statement saying that my minimum payment was $25 and I needed to pay the entire amount by the payment date to avoid interest. So, I e-mailed them to let them know that when I ordered it said 6 months no interest and no payments and they responded and said they did not have any such deal with 1800petmeds. Well, I e-mailed them back and told them I had a picture of the 1800petmeds website with the offer on it and I could e-mail them so they could see and that I didn't feel I should have to pay since it said I wouldn't have to. Then, I got an e-mail saying We have received the promotional terms request regarding your Bill Me Later Account. Once our research is complete, you will receive an email notification. Two minutes later I got another e-mail saying The promotional terms request that was submitted has been completed. The changes, if any, to your Bill Me Later Account will be posted within 24-48 hours. So, I waited over the 48 hours and checked and there is no changes to my account.
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Bill Me Later credit scam with Overstock.com
Posted by Lorrwill on 08/28/2005
8-11-2005 Placed an order that was to be billed through Bill Me Later with the terms of 90 days same as cash.

8-22-05 Received a bill from Bill Me Later for immediate payment.
Called Overstock.com and was told this is Bill Me Later's error and to call them.
They were closed. Sent email.

8-23-05 No email response. Called Bill Me Later who said will contact Overstock.com and have this corrected.
Then received an email from Bill Me Later saying this is Overstock.com's error and to contact them.
Tried to call Overstock.com again but their phone system was down. Sent an email through the customer service web page on their web site but it bounced back.
Tried several other email addressed listed on BBB website, they also bounced back.

8-26-05 Recieved email shipping notification from Overstock.com. Replied explaining problem with billing and requested it be corrected.

8-27-05 Received email from Overstock.com saying the billing error is Bill Me Later's and to contact them.

8-28-05 Since neither company will correct this error, filed this complaint.

I want to be billed as per the agreement of the order I placed on 8-11-05. It is supposed to be 90 days same as cash. If I had wanted to pay interest on the purchase, I could have used my credit card at 15% LOWER APR than Bill Me Later. Now they want me to pay them a bozo interest rate for several years. This is a new twist on an old scam: bait and switch. Overstock.com's web site stated that in order to get the 90 days same as cash you have to use Bill Me Later as the payment method.

Now that the order has gone through, Bill Me Later knows nothing about it and swears Overstock.com is in error and Overstock.com swears Bill Me Later has made some kind of error. I will not use either company again.
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Posted by lorrwill on 2005-09-23:
Update to my complaint. Overstock.com did NOTHING to resolve this issue. Bill Me Later, however takes my 3 cents.com seriously and called me directly to resolve this. Not only did they fix the billing issue they took $25 off, too.

It is highly unfortunate that they are partnered with a crappy firm like Overstock.com.
Posted by Hooper561 on 2006-11-12:
This is the same crap that happened to me with sportsauthority.com

From now on, whenever I see the BillMeLater logo, I will NOT use their service. If you are one day late, they will call you on a Sunday morning at 8 a.m. without any amount of regard. They did this to me over being late on a payment I owed of $10.

These guys are a joke.
Posted by nmtistw on 2006-12-15:
BillMeLater is aweful. "Run away! Run away!!!"They get accounts from other companies, then disavow any responsibility. "You must contact someone else about this. There is nothing BillMeLater can do."
What a crock!
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FRAUD!!!!! Beware of being stirred to Bill Me Later without knowing
Posted by Merlinsky on 10/18/2012
NEW YORK -- I purchased digitazer for fixing Apple phone for my daughter for $6.94. I set up to pay out of my bank account. 2 month later I was checking if one of the PayPal payments was returned to my account and found that my Bill Me Later account is 2 months pass due and I owe them 20.94. Original 6.94 plus 2 late fees $5 X 2 and 2 minimum finance charges $2 X2.

I called and asked how is that possible and if I set payment out of my bank account. Rep kept saying that Bill Me Later is my default payment method and I have to check my statements.

They agreed to remove 5 dollars only in late fees. It feels like a joke - they made triple on 6.94 purchase that I was not even consider making with Bill Me Later.

FRAUD!!! FRAUD!!!FRAUD!!! Disgrace!
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Posted by trmn8r on 2012-10-18:
What the rep said about checking statements is correct, and is the reason only one late fee could be refunded - there is a time limit beyond which they assume you were notified that you were billed for being late, something like 30-60 days.

You have to be careful when using Ebay and PayPal to check where the payment is coming from before you submit it. The last time I checked, PayPal will not let me choose my credit card as the default, but uses my checking account. I never pay from my checking account, so I have to select the CC every single time.

How is this fraudulent?
Posted by Cwazychicken on 2012-10-18:
Some places do set up defaults, and gotta be careful. One time i was buying something for 5 bucks on facebook. Well the first option they had available was 100 dollars so not knowing, i clicked ok, they took 100 bucks out of my bank, took 30 days to get a refund. Mistakes do happen, luckily paypal worked with me. But thats a completely different case. After that, most apps i have played changed their layout but some have not...i just learned my lesson big time. To read before sending.
Posted by EricB on 2012-11-14:
I just found out today that Bill Me Later became my default payment method when I used it last month. I couldn't figure out how to change this, so had to call PayPal and they made the change. This is a bit sneaky in my opinion.

I also called Bill Me Later to ask them to reduce my credit limit. They indicated it wasn't possible -- I've never heard of that being a problem before.
Posted by Saved Customer on 2012-11-28:
Thanks a lot guys for sharing!
Posted by Jimmy on 2013-06-30:
If your PayPal account is set as default and you do not want to use Bill Me Later make sure that you are changing the default payment to something else. From reading the comments it seems that people are in such a hurry that they just rush through the checkout process. When checking out it states what payment you will be using. My advise is to SLOW DOWN when checking out
Posted by DV on 2013-07-09:
I NEVER used bill me later but found out I had a balance.

I called today and the customer care rep was HORRIBLY snotty and RUDE!

The WORST customer care I have ever, EVER had!!!!!

I own 3 Corporations
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Bill Me Later Solves Your Problem LATER
Posted by VINTAGEAMBIE on 11/27/2012
ATLANTA, GEORGIA -- I purchased an iPad using Bill Me Later's deferred payment process/promotional billing. Of course when you make your regular payments it's applied to the principal balance. Not a particular balance, which I understand and Bill Me Later informed me that I just had to contact them and say I wanted a payment applied to that particular balance. Fine, so I made a payment due in 10 days and notified them I wanted the impending payment applied to that balance. Too soon, have to tell them with in 7 days. Fine, within 7 days informed them, they confirmed they would do it. In the mean time I had enough money for a second payment to pay off the balance, again, informed them I wanted that payment to be applied to the balance, again they said ok. What happens? Neither applied. I call them and am told, no problem they can apply it up to 30 days and they will do both payments. Check back several times, nothing. Finally, the large payment is applied, the other is not. Several more emails asking them to do, am told they will and it will be reflected soon. Still nothing. More emails. Am told it will be applied. TO THIS DATE: 14 EMAILS!! Every time an told they will apply it and when I log in??? Still shows the balance.


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Bill Me Later Does Not Honor Promotional Financing Offered Online on Website
Posted by LTaylor on 07/20/2010
TIMONIUM MARYLAND -- I made a purchase on adorama.com over the required amount of $500 to get No Payments for 6 months through Bill Me Later, where I've had an account for a couple of years. Bill Me Later refused to honor the promotional financing offered, instead putting my purchase through as a standard purchase. After promising to 'investigate" they did not resolve my complaint nor allow me to speak to a supervisor, insisting no 'managers' are available, and I would get a phone call which has not happened. Instead of No Payments for 6 months Bill Me Later put my purchase through as a standard purchase at a staggering 25.99% interest rate -- a classic Bait and Switch technique. They claim since I checked out using Bill Me Later through PayPal I was not entitled to the terms on the Bill Me Later website. Of course, there is not mention of that anywhere when I checked out using Bill Me Later. I will have to balance transfer this amount onto a reputable credit card company after having closed my Bill Me Later account. These people provide no customer service and will not help you after they have deceived you. There is currently a class action suit pending. It appears Bill Me Later is a subjective term and customers should be warned, "We'll bill you when we feel like it and you can't do anything about it."
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Posted by miss_little_felicia on 2012-05-19:
Posted by X-customer on 2012-10-05:
Do not use this Bill-me-later trash. They do not honor their terms. This is a bunch of kids that do as they please. Lies are a common practice with them.
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Bill-Me-Later was deceitful
Posted by HLS on 05/14/2010
OMAHA, NEBRASKA -- Back in February of 2010 I accepted an offer by Bill-Me-Later for 6 months interest free purchase of a computer. I paid $500 the next two months and was planning to pay it off prior to the 6th month. However, I found out from my statement that they started charging me 20% interest from the second month. When I called them and asked about the charges, they said their offer was never an interest free offer. I immediately closed my account and paid the remaining balance. This company is dishonest and I would never do business with them. Just stay away.
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Posted by Alain on 2010-05-14:
Caveat Emptor. "Interest Free" is always something to be suspicious of. I'll take your advice and stay away from them.
Posted by Weedwhacked on 2010-05-15:
You really need to think about what is in it for them if they offer "interest free". Nothing!
Posted by Anonymous on 2010-05-15:
Does bill me later provide a disclousre page when you are going through the checkout process? If they do I'd print that as proof of the interest free offer. From your post this company sounds shady. I wouldn't use them.
Posted by bbw511 on 2012-11-08:
Bill Me Later will not correct an incorrect invoice even after submitting a written complaint and a documented correct invoice. This is fraudulent, to say the least.
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Bill Me Later Works Fine
Posted by Ronernie on 07/01/2009
TIMONIUM, MD -- After reading a lot of bad press about Bill Me Later, I felt it proper to flip the coin.

I have done a fair amount of business with BML and there does not seem to be a problem. I would indeed expect to be denied should I be a vagrant spender or not a regular payer. If you are using a lot of credit elsewhere, you could very well be denied a transaction. If you do not pay regularly or pay only minimum payments you are reflecting that you are fairly over extended and that can get you denied or limited for a transaction.

There is no rip off going on with their deferred payment plan. If you pay off within the time frame you win. If you fail to do so, or make late payments, you will be charged the full interest retro active. BML wants your business and they could not make things any easier for you to do business with them.

So my recipe for a happy BML customer?

Pay on time every time.
Pay early if possible and pay more than minimum.
Do auto bank payments, they go through fast and they get credited fast.

I do not expect to ever have to write a bad review about a good company if I am working within their guidelines. If I am working outside of their guidelines I do not deserve the right to complain!

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Posted by Anonymous on 2009-07-01:
Isn't BML sitting there between credit cards and loansharking?
Those are good guidelines to follow, but I'd have to believe that they weren't followed prior to finding yourself using BML.
Posted by Barbyr on 2011-02-26:
This laudatory review is obviously planted. I don't believe a word of it.
Posted by Sky on 2013-01-18:
I am fairly new to BML, but so far I haven't had any issues with them. I make a purchase, and they notify me of the minimum amount due. I pay it early, and try to pay more, and so far so good. I realize that if I don't pay the balance by the deferred time frame the rate will go up, but that's typical of any deferred payment plan. The key is to make sure you pay it off before it gets to that date.
Posted by JustMe on 2013-08-03:
It's Just another revolving credit account like any credit card. Print the statement and read the details at the bottom. Deffered Payment accrues interest. *You must pay your deferred interest balance in full by the expiration date above to avoid paying accrued deferred interest
charges. So, if you pay it all off monthly on or before the statement date you will not get interest charges.
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Do Not Use Bill Me Later!!
Posted by Carol25213 on 06/30/2009
I been a Customer of theirs for over 5 years now and have made 3 purchases from different places ranging from $350 to $500 totaling over $1000 and I have paid them all off and no longer owe them a Balance anymore and I hadn't used their service for over a year and I needed some tires for my car so I thought I'd use them to help me buy some, I looked up some tires on TireRack.com which I've used before with Bill Me Later found some nice tires and went to use Bill Me Later Payment method and I got declined, I tried again and got declined again, so I had my Husband try it and he got declined, I was shocked, so I sent them an email and asked why I got declined and they gave me the run around and wouldn't give me actual reasons, they would just tell me there is usually various reasons for there decisions and then listed a list of them reasons, but wouldn't give me an exact one for my case. I have sent several emails trying to get answers and asked shy they would treat me like this and I keep getting the same lame answers from them.

So I don't know, they did tell me to keep trying to use there service when I can, What for?? lol they are going to keep declining me, what a Slap in the Face!! Don't Use Bill Me Later.

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Posted by Anonymous on 2009-06-30:
I'd like to find a competitor, like Bill Me Never, for my purchases.
Posted by Anonymous on 2009-06-30:
C2O +1.
Posted by Anonymous on 2009-06-30:
Thanks MM. I don't know what that means, but coming from you it has to be a good thing. Right?! LOL
Posted by madconsumer on 2009-06-30:
uhuh c2o, you know what it means baby!
Posted by Anonymous on 2009-06-30:
Posted by madconsumer on 2009-06-30:
means you a stud ...
Posted by Anonymous on 2009-06-30:
LMAO now!
Posted by Anonymous on 2009-06-30:
This 'Bill Me Later' stuff smacks of loan-sharking, IMO.
Like payday loans and car title loans. Things I completely steer clear of.
Posted by SB on 2013-10-08:
DO NOT USE BILL ME LATER!! I used them once before and had no problems. I used them recently. I called to payoff my account in full to be sure the online statement was the correct payoff amount. The assistant that help me assured me that was my correct payoff balance. I paid the account off that day. the next day the payment cleared my bank. I decided to check the balance and it was what it should have been Bal. of $ -0-. I recently received a statement that stated my new balance is now $100.00. YES I DID HIT THE CEILING to say the least. Bill Me Later claimed the merchant bill them. I contacted the merchant and the merchant stated that I do not owe them ANYTHING. I contact Bill Me Later again and asked for a manager. STILL to NO AVAIL. I do NOT recommend Bill Me Later. there are MUCH better options out there. NOT worth the trouble. that being said. I'm not finished with them YET.
Posted by Anonymous on 2014-01-20:
You got declined BECAUSE you paid off your previous balances without incurring penalties, late fees or interest - i.e. revenue for the bill me later services.
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Bill Me Later Predatory Lending
Posted by Swg on 09/13/2010
OMAHA -- Bill Me Later is a cr8P company that is ripping people off!

I ordered contact lenses through VisionDirect, which offers the BillmeLater option. When I got the statement for the lenses, my billmelater account said the payment was not due until mid-September.

I just logged into my account to pay the bill, and guess what? They are trying to claim they issued me an invoice in early August to make a minimum payment of $35, and of course, I NEVER GOT THE BILL, so I didn't’ pay it.

Now they are trying to slap a $25 late fee on top of my pre-existing charge!!! I AM LIVID.

I called customer service and they tried to claim I set up my account for electronic statements only (which I NEVER DID), and they are also claiming they emailed me the bill (THEY NEVER DID. I thoroughly checked my email, even the SPAM folder.)

The customer service nimrod said he would issue a credit for the late fee as a “one-time courtesy only” -oh, how generous of them.

Don’t doubt it for a minute-I will be contacting the California attorney general’s office about their scam business techniques.

In the meantime, I'm warning all my friends not to use them!
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Posted by bob850 on 2010-11-03:
Yeah, I always pay 2x the minimum due automatically through the bank. Today I noticed since August several late fees and the minimum due had went up by 75%. I called to inquire, they stated because of new federal laws the minimum due went up in July/August and I should have gotten a letter. Anyway, they removed one late fee and I paid up the rest with nothing due until next month. I plan on moving some money, calling them back next week, and paying them off. I will never buy from anyone that uses Bill Me Later's services!!
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Bill You? Heck, We Won't Even Give You Credit!
Posted by Averagejane on 03/11/2009
SALT LAKE CITY, UTAH -- I have been a BML customer since May 2007. My first purchase was about $400. I promptly paid it off before my deferred payments ran out. Since then, I've increased the amount of my purchase and then paid off my balance in full before the deferred payment timeline ran out. My largest and most recent approved purchase was in the $1200 range. All went fine, and I recently was happy to pay it all off, before my deferred payment timeframe ran out.

Wanting to pick up an anniversary gift for my hubby, and still anticipating my tax refund, I used my BML account on a purchase at newegg.com. The total purchase was just below $500. I was declined. I was really taken aback. I then put the purchase back through for a bit less than $400 and was again declined.

Bill Me Later has the right to decline a transaction for any reason, and I understand that. But this is TERRIBLE service. They are making money hand over fist, as they should be, but not treating their customers with respect or valuing their business. There's no reward for being a repeat customer, and in the past they have said on their site and through customer service that they review your BML history in relation to every credit decision. Well, not in my case.

While I can't prove it, I have a feeling that I have been declined simply because, over the past 2 years of being a client, they've not made a dime from me on interest. Asking Bill Me Later yields only this reply: You tried to purchase something too expensive, lower your purchase amount. Or: It’s the economy. Neither of which make sense if, indeed, your overall relationship with BML is taken into account and is positive.

Customer Service will not help, mo matter how nice (or angry) you become by their inability answer even basic questions. You will only get boilerplate responses and form email replies. And if you call, don’t be surprised if you hear what sounds like a party going on in the call center.

Based upon my experience - I would advise against using Bill Me Later. Use your credit card or debit card, get points and know exactly your credit limit and how the rules work. Let your credit card company report your good behavior to the credit bureaus, as Bill Me Later won't do that for you - and they really don’t care about service. The poor service alone makes the extra few months to pay something off completely not worth it.
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Posted by Carol25213 on 2009-06-30:
Same here, I been a Customer of theres for over 5 years now and have made 3 purchases from different places ranging from $350 to $500 on all three and I have paid them all off and no longer owe them a Balance and I hadn't used them for a year and a half and I needed some tires so I thought I'd use them to help me buy some tires and I got declined, when I asked why they gave me the run around and wouldn't give me actual reasons, they would just tell me there is usually various reasons for there decisions.
Posted by Wolfeschlegelsteinhausenberdorf on 2009-12-30:
I agree with you both buy some people don't know the half of it. "Bill-Me-later" will end up "Screwing-You-Later" if the situation arises. Here's what happen to me.

Bill Me Later has this sweet deal. You buy your stuff and they defer all payments and interest for 6 months on selected items. I couldn't resist so I bit. Well turns out I'm the sucker fish now.

One of two of my laptops went south a week after I had it. The vendor agreed to have it exchanged. The way they do it is, they process the return and order another one as new. When they went to charge the new one on my "Bill Me Later" account it was declined.

I have an A++ credit rating across the board. I have more credit then I’ll ever use and when I do use it, I've never missed a payment. Oh yea I'm employed and I make well above the average salary. So what's the friggen problem here?

Hp was nice enough to call "Bill Me Later" with both of us on the phone and they flat out refused to allow the transaction to go through stating that I didn't have enough credit history with them to allow another $2300.00 charge on my account. Well if that's the case, then why did you allow the first one go through for $4500.00+!! This is without a doubt the most insulting company I've ever dealt with.

The follow day I got an email from them stating that they're not a credit company and they don't set credit limits. This tells me that they didn't even attempt to get it authorized; rather, they just denied i for no apparent reason. I guess they don’t bother to even call the original credit company that they used for me for an approval. What kind of crap is that?

So be that as it may, I wiped out a credit card and charged the new laptop on one of the six on Visa credit cards I have. So because of this, now I loose big! Instead of having deferred payments and interest for 6 months, I have to belly up the cash to pay off one of the two laptops by the end of the month. Never again will I ever use “Bill Me Later”. It’s not worth it!
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