Bill Me Later® is a convenient and secure new payment method designed for purchasing on the web or over the phone. As a credit account, Bill Me Later® provides you with the flexibility to purchase without using your credit card. Bill Me Later® is offered through Chase Manhattan Bank USA, National Association (The Bank) and is only available to US customers who are at least 18 years of age. Subject to credit approval.

• To request a Bill Me Later® account, you do not have to complete a lengthy application prior to making a purchase. Simply select Bill Me Later® at checkout to complete your request.
• There are no account numbers to enter, just top-of-mind information such as date of birth and the last four digits of your social security number. This information is easy to provide and helps us protect you against fraud.
• Bill Me Later® offers "zero fraud liability” protection which means you are not responsible for unauthorized charges.
• After you use Bill Me Later®, you will receive a billing statement.
• Bill Me Later® offers flexible repayment options: you can choose to pay the entire balance with no additional charges or pay a portion of the balance and regular interest charges apply.
   

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 17.99%. 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 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. The Bank will review and consider your credit report and other credit related information prior to approval.

Do you review my credit report every time I make a purchase?
The 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?
The Bank does not issue a credit line. To enhance your convenience, security and buying power, The Bank approves and extends credit for each transaction.

Where else can I use Bill Me Later^®?
A growing network of merchants accepts Bill Me Later^®. A complete list of the merchants 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?
Web: you may visit the Bill Me Later^® website at www.billmelater.com or email your questions to customercare@bill-me-later.com.
Phone: to speak with a Customer Care representative you may call 1-866-528-3733 between the hours of 9:00 am and 11:00 pm Eastern Time, seven days per week.

Click here to view the Bill Me Later^® Terms and Conditions. These Terms and Conditions will be provided to you again after you select Bill Me Later^® at checkout.