If you use Bill Me Later
Be very very careful. I put a few purchases on it and was told by customer service, over the phone, that I did not have to make any payments until next April. But because I heard bad things about them on the Paypal forum, I decided to check my account. I had a payment due in 2 days!! If I had missed it there would have been a $35 late fee. (on a $17 balance).
I called CS again and heard some convoluted story about how I did have that promotion on the account but it did not apply to those purchases. What??!! So I hung up, paid it off, and will NEVER, NEVER use this company again.
You have to watch your back all the time when it comes to your finances.