ToyRUs Bill me later Question?

[Luv2trav]

I am thinking of using this option. Is it legit? Do I really have 90 days to pay off without finance charges? I get a bonus next month and I would really love to take advantage of this..

 

[aka-mad4themouse]

Yes it is legitimate. I used it a few years ago to take advantage of an online bonus as well.

Just make sure that you read all the Terms of Service! You're basically applying for an unsecured line of credit. You have 90 days at 0% interest but you need to be paying a minimum amount every month just like you would on a CC. And don't you dare be a day late or go beyond those 90 days! The interest rates are retroactive to Day #1 if you don't pay it off in time and they are outrageously high!

 

[Luv2trav]

Yes it is legitimate. I used it a few years ago to take advantage of an online bonus as well.

Just make sure that you read all the Terms of Service! You're basically applying for an unsecured line of credit. You have 90 days at 0% interest but you need to be paying a minimum amount every month just like you would on a CC. And don't you dare be a day late or go beyond those 90 days! The interest rates are retroactive to Day #1 if you don't pay it off in time and they are outrageously high!

I am good with that. I am not purchasing too much. Plus they have option of no payments and no interest for 3 months with minimum purchase. I would have it paid off next month so I wouldn't need the whole 3 months. I well aware of they try to get you if you are late.. Thanks!!

 

[horseshowmom]

I've used it a lot and been very pleased with it. I like not having to give my credit card number. Also, we fly AirTran a lot, and they accept BML. It's always 6 months same as cash, so I can choose whether to pay it all off at once or not.

 

[JoiseyMom]

I used them last year, and I was very unhappy. I wound up cancelling my order with TRU because they didn't have everything I ordered on the first day, but it was there the second day, and they wouldn't send it to me. Anyway...since they didn't have the item I wanted and they had already shipped it, I wanted a refund on my shipping..since they were at fault for cancelling part of my order.

So, I got the emails, shipping labels, sent everything back. Easy right?? Nope..somewhere between TRU and Bill me later they lost part of my refund, and bill me later kept on charging me. No matter how many times I told them to contact TRU that I was refunded all my money. BTW...bill me later wanted me to snail mail them the info. Well, I refused..I told them I am not paying to send them snailmail when I didn't do anything wrong.

THis went on for months, including phone calls to home about my bill being over due. Each time nothing happened. ANd yes, I did talk to TRU and told them that it is between them..that soemthing is missing from the electronic financial feed they send over.

Finally a sane intelligent finally called me from BML, and she gave me a fax number to send info too, I did. It was finally resovled.

But I will NEVER EVER EVER do buisness with BML again. Their customer service and responsiblity of issues and fixing them was HORRIBLE!!

Was not worth the 10.00 I would have saved. I also will never order from TRU.com ever again .

But that is just me .

 

[luvmy3]

They will pull your credit report which will cause it to drop a little.

 

[Luv2trav]

They will pull your credit report which will cause it to drop a little.

This I know.. I am not in the market for any big purchases so that is OK..

 

[jnorth1007]

I have been using BML for about 2 years now and I use it whenever I am purchasing something if it is available. I love that I don't have to enter any account info on the merchant site so the merchant never has my info. I have had things returned before to Eastbay and recieved my credit just fine although it did take more than one billing period to show up. They do not report to the credit reporting agencies so this will not show up on your credit reports as a debt owed so it won't drop your score (it might drop a little when they first check your credit) they make decisions on your available credit for each purchase as you make it. You won't be given a credit line so each time you want to use it they will look at your history with them to decide whether or not to let you use the BML. I haven't even been turned down and twice I have made purchases on QVC for 200+.