Bill Me Later® FAQs
How do I sign up for a Bill Me Later account?
You can sign-up right at the merchant's site. Simply choose Bill Me Later as your payment method at checkout - it only takes a few seconds. Answer two quick questions and accept the terms. That's it, you're done! Then you'll receive a bill in the mail. There is no sign-up prior to making your purchase and there is no sign-up fee. View Demo
How do I use Bill Me Later again?
When making purchases at the other sites in our network: 1) You sign-up the first time you purchase at that site; 2) After that, just click Bill Me Later to make future purchases at that retailer. It’s that Easy!
Is there an Annual Fee?
No. There is no annual fee for using Bill Me Later.
What is the Annual Percentage Rate?
The Annual Percentage Rate is 19.99%. The Minimum Interest Charge is $2.00. Of course, you can choose to pay your entire balance by the payment due date and pay no finance charges.
Does Bill Me Later protect me from liability for unauthorized charges?
Yes, Bill Me Later provides “zero fraud liability” protection; the same protection provided by most major credit cards. This means you are not responsible for unauthorized charges.
And Bill Me Later has been designed with other features to help protect against unauthorized use of your account. Your identity is validated with top-of-mind information such as date of birth and the last four digits of your Social Security Number. This means there is no account number that can be lost or stolen.
What does Subject to Credit Approval mean?
Bill Me Later is a credit account that you can use to make purchases. CIT Bank will review and consider your credit report and other credit related information prior to approval. Creditworthiness is determined by CIT Bank.
Do you review my credit report every time I make a purchase?
CIT Bank does not review your credit report for each transaction. However, your credit report may be reviewed for some transactions and periodically to provide you with the maximum buying power possible.
Do I have a credit line and how much is it?
CIT Bank does not issue a credit line. To enhance your convenience, security and buying power, CIT Bank approves and extends credit for each transaction.
Where else can I use Bill Me Later?
Bill Me Later is available at thousands of online stores, catalogs, and travel partners. A complete list of the retailers that accept Bill Me Later is provided on the Bill Me Later website at www.billmelater.com.
How can I contact Bill Me Later to find out more about this payment method?
You may visit the Bill Me Later website at www.billmelater.com.
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