Hey Rocky, I used it recently and then realized that although they gave me 6 months to pay interest-free, my credit card was giving me 1% cash back for all purchases. As long as I can pay my credit card balance off every month, I see Bill me Later as something that looks too good to be true and is - because one month I used it by mistake for under $99 and did not pay off the full balance I had purchased and earned $11 extra finance charge with a finance charge accruing every day until I got that balance paid off.

Just another perspective to consider.