topic Re: Approved for BIll Me Later account!!! in Credit Cards

Approved for BIll Me Later account!!!

Kris1228 — Mon, 28 Mar 2011 17:17:28 GMT

Tv went out so went to walmart.com and decided on bill me later. Declined on apple about 4-6 months ago but utl was a bit higher. Order total was 766 approved and set up online account And credit limit 2366.00 buying power I guess.. Plan on laying it off in about 3 payments..

Thought I would share

Re: Approved for BIll Me Later account!!!

Chaos122 — Mon, 28 Mar 2011 17:21:43 GMT

Congrats man, i have an account with them, very convenient. Also they dont report to CRA's unless you default or something, so you dont have to worry about atking a hit to your aaoa or utilization.

Re: Approved for BIll Me Later account!!!

Anonymous — Mon, 28 Mar 2011 17:24:43 GMT

Congrats!!! I believe BML also doesnt showup on CRs, which is sweet!

Re: Approved for BIll Me Later account!!!

Kris1228 — Mon, 28 Mar 2011 17:48:06 GMT

Thats why I went with bill me later!!! Don't want a new account on my reports.. lol hehe. Thanks!!!

Re: Approved for BIll Me Later account!!!

DI — Mon, 28 Mar 2011 18:09:53 GMT

What's the APR for that type of lending? I never applied for a BML account.

Re: Approved for BIll Me Later account!!!

Kris1228 — Mon, 28 Mar 2011 18:22:08 GMT

they have promo deals.. Walmart has 250 or more purchase now thru 3/31 gets no interest for 6 months..

Re: Approved for BIll Me Later account!!!

score_building — Mon, 28 Mar 2011 18:55:32 GMT

@DI wrote:
What's the APR for that type of lending? I never applied for a BML account.

19.99% last time I checked, great hidden TL and 0% APR promos, otherwise it is a PIF acct.

Re: Approved for BIll Me Later account!!!

Kris1228 — Mon, 28 Mar 2011 19:15:29 GMT

I was having problems signing in. So had to call customer service, well anyways it also said I am selected for a 10% cash back bonus on purchases also so I signed up.. I might like this new hidden trade line lol

Re: Approved for BIll Me Later account!!!

Creditaddict — Mon, 28 Mar 2011 19:19:22 GMT

@Kris1228 wrote:
Tv went out so went to walmart.com and decided on bill me later. Declined on apple about 4-6 months ago but utl was a bit higher. Order total was 766 approved and set up online account And credit limit 2366.00 buying power I guess.. Plan on laying it off in about 3 payments..

Thought I would share

Where did you get your CL from? From my understanding it's a moving CL as you make purchases that go over $500 otherwise your CL would be $500 to start. I have never seen a CL posted when I make purchases.

Re: Approved for BIll Me Later account!!!

Kris1228 — Mon, 28 Mar 2011 19:25:24 GMT

its under financial information Welcome Back, Kris1228 Last Sign On: Mon, Mar 28, 2011 03:10 PM ET Current Balance: $0.00 Available Credit: at least $1,599.57 ( Learn More ) Minimum Payment Due (N/A): $0.00 ( Make a Payment ) Last Payment Received: $0.00 Credit Line: $2,366.00 Last Billing Statement Date: N/A ( View Statement ) Last Billing Statement Balance: $0.00 and my walmart purchase was about 766.00 ish

Re: Approved for BIll Me Later account!!!

Kris1228 — Mon, 28 Mar 2011 19:26:59 GMT

Ooops sorry about that post. Uggg.. It's under financial information on billmelater.com site

Re: Approved for BIll Me Later account!!!

Creditaddict — Mon, 28 Mar 2011 19:29:35 GMT

nope just checked... just shows current balance, min. payment and last payment.

Re: Approved for BIll Me Later account!!!

Kris1228 — Mon, 28 Mar 2011 19:31:08 GMT

Maybe it's something new? Mine def has the credit limit option.. And available credit also!! :-(

Re: Approved for BIll Me Later account!!!

Kris1228 — Mon, 28 Mar 2011 19:35:35 GMT

I'm Sorry credit addict, it has a link that says NEW next to available credit. Duh.. You could call customer service and inquire when old Accts will be updated 866-528-3733..

Re: Approved for BIll Me Later account!!!

Anonymous — Tue, 29 Mar 2011 02:46:49 GMT

I've had Bill Me Later for a year and a half or so now. A credit limit has not shown up yet, even though there are reports of accounts getting assigned CLs.

Doesn't really bother me. I don't really use it much, but I've made purchases of up to $5k through it, so I have a rough idea on how much I can spend.

Re: Approved for BIll Me Later account!!!

randaljon — Thu, 28 Apr 2011 03:21:53 GMT

Bill Me Later will hit you with a hard inquirty, correct? I was thinking of applying to buy a computer but my scores are 644, 609 so I will probably get turned down, but I have a collection deletion coming next week. You think I should wait till my scores top 680 to apply for bill me later?

Re: Approved for BIll Me Later account!!!

tntexans72 — Thu, 28 Apr 2011 03:37:27 GMT

@randallcred wrote:
Bill Me Later will hit you with a hard inquirty, correct? I was thinking of applying to buy a computer but my scores are 644, 609 so I will probably get turned down, but I have a collection deletion coming next week. You think I should wait till my scores top 680 to apply for bill me later?

I signed up 2 wks ago and they will hard you one time on EQ. I read their policy and it stated when you make a purchase over $500, they will soft you for approval. I haven't made any purchases over $500 but have spent about $300 so far. It's a great feature and it doesn't show up on your CR which is very nice.

Re: Approved for BIll Me Later account!!!

randaljon — Thu, 28 Apr 2011 03:44:53 GMT

I already have 11 hard inq on my EQ, so I better not apply yet.