Bill Me Later, is a credit card company pretty much. They pulled my credit and checked my score and then signed me up on a $250 credit limit through "Bill Me Later". I am now having to fight with them to reverse the credit ding they did to me and my credit score. Ugh the headache of dealing with BS. They automatically sign you up with an account and credit limit. Only difference between them and the others is they don't issue a plastic credit card to the account holder, all online. The representative tried to tell me they weren't a credit card company, but as I corrected the agent and said, you guys pull credit and sign an account with a limit, (You are a credit card Company). She submitted the report and now I have to wait for feed back "If they will reverse the credit hit". I told her I will be calling constantly until this matter is fixed.