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Old 07-23-2013, 05:36 PM   #26 (permalink)
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Originally Posted by corndog View Post
That is incorrect. The promo is for purchases of $99 and higher. You have 6 months to pay it off with no monthly payments or interest. The purchase must be more than $99 to qualify for the promo offer. If your purchase is paid off before 6 months you will have been given essentially an interest free loan - even if you make the full payment 5 months into the loan.

The problems arise when you use BML like a credit card for all purchases - even small ones.
There are options - this is probably where people get F'd up.

There is the "No Payments Until" option on purchases over $99
There is the "No Interest if paid in full" option on purchases over $99

One allows you to pay the entire balance the day before it's due if you wanted - the other requires monthly payments.

Or at least that's how it used to be. People weren't paying attention to what they sign up for.
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Old 07-23-2013, 05:39 PM   #27 (permalink)
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Originally Posted by Shogun2049 View Post
Again, just because you get 6 months to pay it off, you STILL have to make a minimum payment EVERY month. You can't just wait the whole 6 months and pay it off 1 day before it's due. If you make no payment towards the promo balance for 1 month, all the interest accumulates and the promo is ended because you defaulted on the loan. In essence, you missed a payment and now you're saying it's a scam.
As the guy beneath you said, it's not only interest free 6 months, but no payments either

I've also never missed a payment or been hit with an interest fee because I personally go about it the right way, this isn't me bitching about myself getting screwed over by BML

It's more of me complaining about their practices and warning others that might not have done the research that I have
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Old 07-23-2013, 05:41 PM   #28 (permalink)
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Originally Posted by Branesergen View Post
I didn't read this very much but isn't that how ALL credit cards get you... buy paying the minimum? I am not too card savvy as I have only been dealing with them for the last few years but I have always been taught to never pay the minimum as that's how they get the most out of you. Especially with no interest promos on a certain amount. Every card I use and especially my $500 BML account gets paid in full a week before its due. 99% of the time its paid off a couple days after using it.
Yea, that's exactly how they get you, but this issue has nothing to do with minimum payments in the credit card sense, it's a minimum payment to avoid any interest charges, way different
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Old 07-23-2013, 05:43 PM   #29 (permalink)
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Its just like a really bad credit card... with hidden fees..

I was not paying it off each month... About a year ago I got a end of year fee for around 250 dollars...

I no longer use it....

Cabbage is the same way... I have not used it but know people who have...

Do not touch that scam... interest rates on both these are probably 30-40 %
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Old 07-23-2013, 05:43 PM   #30 (permalink)
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asujbl, did that second explanation make sense to you now?
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Old 07-23-2013, 05:45 PM   #31 (permalink)
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Originally Posted by kyle1707 View Post
Its just like a really bad credit card... with hidden fees..

I use it but I pay it off...

I was not paying it off each month... About a year ago I got a end of year fee for around 250 dollars...

I no longer use it....

Cabbage is the same way... I have not used it but know people who have...

Do not touch that scam... interest rates on both these are probably 30-40 %
It's actually like a REALLY good credit card if you use it in the right way as its basically a 6 month interest free loan on big purchases
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Old 07-23-2013, 05:47 PM   #32 (permalink)
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asujbl, did that second explanation make sense to you now?
Not really - I'm just not following it - but I didn't really spend a ton of time going through it either. I'm sure your math is on point.

I think what I'm most getting from this thread is that A) Paypal is a just a crappy CC company (essentially) as far as customer service and B) People don't pay any more attention to their BML "Credit Card" then they do their cards in real life and it gets them in trouble.

I'm still debating using BML as I think it'd work just fine for me as I'd only use it on "promo" purchases to pay them off over a few months.
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Old 07-23-2013, 05:49 PM   #33 (permalink)
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Originally Posted by kyle1707 View Post
Its just like a really bad credit card... with hidden fees..

I was not paying it off each month... About a year ago I got a end of year fee for around 250 dollars...

I no longer use it....

Cabbage is the same way... I have not used it but know people who have...

Do not touch that scam... interest rates on both these are probably 30-40 %
Not sure of everyone else's rate, but mine is 19.99%, but again, if you pay it off before the 6 months, there's no problem with using it.
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Old 07-23-2013, 07:02 PM   #34 (permalink)
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I have a credit card...

I pay it off every month...

It is easier to put everything on a credit card because of rewards and the fact I only get paid at the end of each month.
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Old 07-23-2013, 09:27 PM   #35 (permalink)
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Originally Posted by zonacats8 View Post
It's actually like a REALLY good credit card if you use it in the right way as its basically a 6 month interest free loan on big purchases
See, I feel the same way about my Home Depot card. thing is, once I charge something on a promotional balance, after the first scare, I will put the card away until the balance is paid off. It seems to work well, because as soon as I pay off the balance, another thing breaks requiring me to use it again lol.
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Old 07-23-2013, 10:13 PM   #36 (permalink)
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Originally Posted by seahawks4ever View Post
See, I feel the same way about my Home Depot card. thing is, once I charge something on a promotional balance, after the first scare, I will put the card away until the balance is paid off. It seems to work well, because as soon as I pay off the balance, another thing breaks requiring me to use it again lol.
I basically use it as my eBay and boxes credit card, I could just buy these things outright as I don't buy what I can't afford. So I use it on eBay to get the extra eBay bucks and for boxes as it's an interest free loan and my money stays in the bank getting interest.

That's why I always pay off the amount that makes sure I won't have any interest fees at a minimum, usually a little bit more just to pay it off quicker.

Which why I'm sure there are others that do the same thing, and may be in a situation I'm in this month and it could really cost someone if they didn't know this either.
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Old 07-24-2013, 12:41 AM   #37 (permalink)
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There's generally only 3 things you buy by choice (so health related issues would simply be a tragic necessity) with credit or taking out a loan... a home... a car... and an education.

I'd not buy what I can't immediately pay for up front, if I can't afford to pay for it, I can't afford to own it... that applies not only to cards but to a wedding, a wedding ring, a vacation, a TV, furniture or anything else... no reason to go into debt and deferring payments. It's a simple rule to live by, keeps you sane and out of trouble.
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Old 07-24-2013, 12:50 AM   #38 (permalink)
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How about don't spend money you don't have? Pretty easy concept.
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Old 07-24-2013, 12:52 AM   #39 (permalink)
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There's generally only 3 things you buy by choice (so health related issues would simply be a tragic necessity) with credit or taking out a loan... a home... a car... and an education.

I'd not buy what I can't immediately pay for up front, if I can't afford to pay for it, I can't afford to own it... that applies not only to cards but to a wedding, a wedding ring, a vacation, a TV, furniture or anything else... no reason to go into debt and deferring payments. It's a simple rule to live by, keeps you sane and out of trouble.
Are you married? I definitely had to put the ring and the wedding on credit, and that was after 3 years of dating and a 2 year engagement! Sometimes you gotta just do it man. I had the ring paid off in 1 year. Would have felt really crappy if I bought her some cheap crap just so I could "pay up front".
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Old 07-24-2013, 01:12 AM   #40 (permalink)
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Originally Posted by Stat Monsters View Post
There's generally only 3 things you buy by choice (so health related issues would simply be a tragic necessity) with credit or taking out a loan... a home... a car... and an education.

I'd not buy what I can't immediately pay for up front, if I can't afford to pay for it, I can't afford to own it... that applies not only to cards but to a wedding, a wedding ring, a vacation, a TV, furniture or anything else... no reason to go into debt and deferring payments. It's a simple rule to live by, keeps you sane and out of trouble.
Sound words to live by, though some (most...95% of us) made some mistake at some point in our lives. Credit is a horrible thing but I will say this, when your washer/dryer breaks down and you are facing a $1000-1500 cost, it sure is nice to have a 12 month no interest plan as a backup. Same for a good bed.

I've been working on my debt (from many ill-advised decisions in my early-mid twenties) for several years now. The rub is, to work on debt means to throw every additional dollar at it...which is why having those no interest options is a beautiful thing!
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Old 07-24-2013, 08:29 AM   #41 (permalink)
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How about don't spend money you don't have? Pretty easy concept.
Because it's so black and white.

I'm considering using BML - and I've got the money to spend now on the card I want - doesn't mean I can't use the money is a better way if I finance that card over 6 months.

Pretty easy concept.
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Old 07-24-2013, 08:36 AM   #42 (permalink)
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Originally Posted by UFOS8MYCAT View Post
How about don't spend money you don't have? Pretty easy concept.
Actually, not using credit can hurt you in the long run. You wont have the opportunity to build up your reliability to buy a car or a house, for which you definitely need to spend money you dont have.

That being said, you need LOW interest credit cards and you need to pay off your debts.

Bill Me Later is a joke, anyone who uses it has made their bed and will be forced to sleep in it if they dont understand how it works.

A better question is - why would you use a program if you dont know EXACTLY how it works? Of course they are going to use tag lines and fine print! That's the way they get you.
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Old 07-24-2013, 08:52 AM   #43 (permalink)
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Originally Posted by asujbl View Post
Because it's so black and white.

I'm considering using BML - and I've got the money to spend now on the card I want - doesn't mean I can't use the money is a better way if I finance that card over 6 months.

Pretty easy concept.
Sound financial sense and society wonders why there are so many bankruptcies.
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Old 07-24-2013, 09:52 AM   #44 (permalink)
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Originally Posted by asujbl View Post
Because it's so black and white.

I'm considering using BML - and I've got the money to spend now on the card I want - doesn't mean I can't use the money is a better way if I finance that card over 6 months.

Pretty easy concept.
Exactly the reason and way that I used BML

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Originally Posted by deltapi1049 View Post
Bill Me Later is a joke, anyone who uses it has made their bed and will be forced to sleep in it if they dont understand how it works.

A better question is - why would you use a program if you dont know EXACTLY how it works? Of course they are going to use tag lines and fine print! That's the way they get you.
This is the reason I made this thread

I did my research and I knew exactly how it worked, which is why I went about my payments in the way I was doing it.

The problem is that they then changed their policies in how payments get registered and I was never notified of the change, that to me is the crux of the issue at hand
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