I have been a loyal BML customer for years - long before they linked with Paypal. I have never had any problems. It's like an electronic credit card - you never have to carry it in your wallet. Make your payments on time and no worries just like any other type of credit. The only thing that has changed is the minimum payment is $35 even if your balance is only $40. Like any other credit it is there if you need it - just don't use it if you cannot afford it!
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