Credit Cards

[ednajen]

I have this credit line as well...  It's pretty good for me as I like to shop online.  Also they have Cashback, most of the time it doesn't go beyond 3-5% on purchases but it's better than nothing. The 6 month no interest/no payments deal is a huge plus for me. 

When you buy things from places such as Walmart, they give you an option to have no payments and no interest for 6mos (usually your cart has to be $250 or more).    As another poster said, if you keep up with what balances you owe on promotions you should be fine...if you miss your promotion payoff date they will backcharge you the interest that you would have accrued..had you not had the promotion.

Since it doesn't report, I would only get this for the 6mo no interest/payment deals and the cashback. 

[learnin113]

Have it and love it.  6 month interest free offers and since it doesnt report, I never have to worry about UTI from this account.  It's my most used acount next to Amex.

[Shogun]

Is it webbank or GE?  Cause I got softed by gecrb/paypal and then got the offer.

[learnin113]

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Shogun wrote:

Is it webbank or GE?  Cause I got softed by gecrb/paypal and then got the offer.

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Even though it's linked to Paypal (GE).  I dont think its GE.  If I remember correctly the inquiry was in fact from Web Bank.

[jsucool76]

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learnin113 wrote:

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Shogun wrote:

Is it webbank or GE?  Cause I got softed by gecrb/paypal and then got the offer.

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Even though it's linked to Paypal (GE).  I dont think its GE.  If I remember correctly the inquiry was in fact from Web Bank.

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"Bill Me Later® is an open-end credit plan offered by WebBank, Salt Lake City, Utah ("the Lender")."

[kimmiller112]

I've had BML for more than two years ago and use it fairly often for the 6 month no interest for larger purchases.  It is an accepted payment for BookIt and I have booked a couple of last minute vacations out of the country and had it billed to my BML account.  I love being able to pay for those vacations over 6 months instead of a couple of weeks prior to travel.  I have also used it to buy a camera, a laptop, an exercise bike and clothing/shoes.  There are a lot of different stores that accept BML and they are listed on their website - anything from travel to electronics to clothing to flowers and more. 

[Objectivist]

They put an inquiry on Equifax for me. 

[AvaMommy]

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creditdreamera wrote:

I've had my BML a bit more than a year. At the time my scores were in the low 600s; they haven't had a big increase this year since I have a lot of INQs that will start to die off in May 2013. The only baddie I have on my CR is a medical collection $116 that my mom said she'd take care of and never did, and it was the first time i was being "an adult", so the bill was in My name. Paid it off in 2007, so I'm waiting for it die off in about 1 1/2 years.

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Cool thanks for the info!!!

[CS800]

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AvaMommy wrote:

Seems like many has received this offer! I got an email today stating I was pre-approved. Guess the holidays are approaching quicker than expected!

Dont know yet if I am gping to app for it though....

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oooh no you didn't !!!!!

[AvaMommy]

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CS800 wrote:

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AvaMommy wrote:

Seems like many has received this offer! I got an email today stating I was pre-approved. Guess the holidays are approaching quicker than expected!

Dont know yet if I am gping to app for it though....

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oooh no you didn't !!!!!

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I know I know...I have been app free for almost a month! I think I have been "good"! I dont plan on it because I would have jumped on it by now....but with the holidays coming it sure would be nice to defer payments till next yr....lol

I feel bad for thinking it! ( shame on me...lol