@SnowKitty paypal smart connect is similar to Bill Me Later, BML is a hidden tradeline though and doesn't report. PPSC can be hooked up to a paypal debit card and reports lile a revolving line of credit. They use it as a counteroffer similar to how you can get a visa/mastercard/discover/amex or a store card. Only difference is ppsc can be used anywhere you can use your paypal debit card. Its just very slow with payments and stuff. You also earn 1% cash back with the paypal debit card.