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Regular Contributor
Posts: 227
Registered: ‎03-12-2008
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Bill Me Later Requirements

Does anyone know what kind of score you need for Bill Me Later?
As of Jan 2009: EX - 659 EQ - 666 TU - 681

As of 2/13/09: EX - 648 (My last EX Fico)
Frequent Contributor
Posts: 304
Registered: ‎02-06-2010
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Re: Bill Me Later Requirements

I'm curious too.

EQ. Starting Score 08/19/12: 545
EQ. Current Score 09/02/13: 611
Goal Score: 700


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Epic Contributor
Posts: 20,183
Registered: ‎03-19-2007
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Re: Bill Me Later Requirements

I have no idea what "bill me later" is. I have never heard of it.

If you have a balance that is due, I know of no legal agreement with a creditor that forgoes their right to bill.

Why would any creditor not bill for a debt due? Does it excuse continued escalation of interest?

I must admit, I am clueless on the whole concept, and thus dont know how to request such a thing???

 

 

 

Super Contributor
Posts: 5,703
Registered: ‎10-06-2007
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Re: Bill Me Later Requirements

Bill Me Later is a program start by CIT bank where they approve you for a purchase and have either 90 days or 6 months to PIF.  If you do so before the term period ends, you pay no  interest, if you don't PIF by the term date, they charge > 20% interest back from the day of the purhcase.

 

You don't get a CL, its a per-purchase thing.  The nice thing about BML is that you only get an INQ.  No account shows up on your CR.  The same thing for Newegg credit card which is backed by CIT bank as well.

 

I recommend BML.

11/28/2014 FICO: EQ: 796 EX:788 TU:803
Frequent Contributor
Posts: 304
Registered: ‎02-06-2010
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Re: Bill Me Later Requirements

It can be used at Walmart.com  Do you need a real good credit history, does anyone know?

EQ. Starting Score 08/19/12: 545
EQ. Current Score 09/02/13: 611
Goal Score: 700


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Moderator
Posts: 16,225
Registered: ‎07-14-2009
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Re: Bill Me Later Requirements


RobertEG wrote:

I have no idea what "bill me later" is. I have never heard of it.

If you have a balance that is due, I know of no legal agreement with a creditor that forgoes their right to bill.

Why would any creditor not bill for a debt due? Does it excuse continued escalation of interest?

I must admit, I am clueless on the whole concept, and thus dont know how to request such a thing???

 

 

 


I'm with you on this Robert. I'd never heard of this before.

Established Member
Posts: 13
Registered: ‎02-21-2010
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Re: Bill Me Later Requirements


marinevietvet wrote:

RobertEG wrote:

I have no idea what "bill me later" is. I have never heard of it.

If you have a balance that is due, I know of no legal agreement with a creditor that forgoes their right to bill.

Why would any creditor not bill for a debt due? Does it excuse continued escalation of interest?

I must admit, I am clueless on the whole concept, and thus dont know how to request such a thing???

 

 

 


I'm with you on this Robert. I'd never heard of this before.


https://www.billmelater.com/index.xhtml 

Rebuild Begining 2/10
02/05/10 EX 512 EQ 513 TU 525
02/23/10 EX 567 EQ 504 TU 554
02/27/10 EX 567 EQ 580 TU 648
03/01/10 EX 597 EQ 580 TU 648
03/01/10 EX 597 EQ 603 TU 666
Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
0

Re: Bill Me Later Requirements

You can by airline tickets, computers, a lot of big ticket items.  I don't know what the particular criteria is however.
New Visitor
Posts: 1
Registered: ‎04-14-2014
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Re: Bill Me Later Requirements

I just spoke with a representative at BillMeLater and I was told that if you do so through Paypal they look at your PayPal statements and take that into consideration. He said you don't have to have good credit to be approved.

New Contributor
Posts: 87
Registered: ‎02-02-2014
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Re: Bill Me Later Requirements

[ Edited ]

According to the Credit Pulls Database, in the last year scores for approvals ranged from 580 to 702. Some people reported getting approvals when being used through eBay when they had be denied at other times.

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