Bill me later is is one of my best accounts...yeah the APR is 19.99% but I look at it this way I used $1000.00 on purchases and my minimum payment was $32.00 which I never pay only the minimun, I double that or triple it just like i pay my credit cards. I don't have a problem with that. If you are good at paying your bills this can be like a best friend! I have had a few problems but i was always able to simply call them and they resolved my problems pretty easily. Since they are not the easiest account to obtain( you have to have decent credit and a very good payment history with other accounts you already have) I can say that I would recommend Bill Me Later only to the "responsible". I do use them alot and i repay them just like i would a buddy that has fronted me some cash( hense the interest...lol...a few buck extras for the like i would do for that buddy that may have looked out for me in my time of want or need. It's all in how you look at business.
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