Do not use pay me later. They give you some discount to make you open an account first. If you forgot to pay for any reason, they charge you late fee and financial charge big time. that's how they make their money. I opened an account due to their discount. In Jan, I purchased item on ebay and use paypal to pay for it. Usually, I paypal will put charge on my creditcard in my paypal account. For some reason, it charge to pay me later account instead of my creditcard. I didn't aware of it and missed the payment util pay me later call me and tell me they are charging more than twice as much of late fee for my $50 ebay item. I called them and requested to waive the late charge but they refused. I end up paying $110 and close the account. DO NOT USE PAY ME LATER!!! Other credit card compay will wave your late fee once or twice to keep your business, but pay me later will not. They are out to get your money. I should not pay them first before I negotiate with them. Once they get your money, they are not going to let go. Be aware of SHARK!!!
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