If I buy something using bill me later, do I have 6 months to pay?
I recently bid on ebay for a new iPhone 4, the two payments accepted at PayPal and Bill Me Later, I don't have the money right now, but I'm starting my new job tomorrow I should have the money for the phone in about a week or two, so do I have up to 6 months to pay the full amount or do I have to make payments on it? Also, can I still get the iPhone if I don't pay right away?
Thank you for asking!
There are three types of options that you may see, depending on what the merchant is offering.
1) "No Payments Until" deferred interest programs. With this option, no payments are due before the promotion expiration date and interest is deferred during the promotional period. If you pay your balance in full by the promotion expiration date, you do not have to pay any interest. If you do not pay your balance in full within the promotional period, interest will be billed from the date of the purchase.
2) "No Interest if Paid In Full" deferred interest programs. With this option, you are required to make the minimum monthly payment, as described in your billing statement and interest is deferred during the promotional period. If you pay your balance in full by the promotion expiration date, you do not have to pay any accrued interest. If you do not pay your balance in full within the promotional period, interest will be billed from the date of the purchase.
3) "Standard purchase" subject to monthly interest charges
This link will bring you to the latest eBay promotions.
https://www.billmelater.com/cm/paypal/landers/12bmlFINCTRj.html
Once your item is purchased through Bill Me Later it will be shipped to you.
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