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<p>[QUOTE=&quot;Blaubart, post: 1923393, member: 37498&quot;]One thing to think about with the $15 for using Bill-Me-Later is that by signing up for it they will pull your credit history and extend you a line of credit that counts against your debt/income ratio.&nbsp; Both of these factors are taken into consideration when calculating your credit score, and the debt/income ratio could affect how much you can borrow for something you actually care about like a car loan or a mortgage.</p><p><br /></p><p>A small difference in a credit score could easily result in a difference of .125% (1/8th of a percent) in a loan rate.&nbsp; If you borrow $200,000 to buy a house, that .125% could mean as much as $5500 in additional interest on a 30 year loan.</p><p><br /></p><p>I think $15 is a pretty lame offer.&nbsp; I frequently see offers for $50-100 cash back for new credit cards.&nbsp; If FeeBay wants to entice me into a line of credit, they need to up their ante to be on par with other creditors.</p><p><br /></p><p>To be fair though, if you buy on FeeBay a lot, the double FeeBay bucks whenever you use bill-me-later could make it worthwhile for you, and the $15 would just be a bonus.[/QUOTE]</p><p><br /></p>

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