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FORUMS Canon Cameras, Lenses & Accessories Canon EF and EF-S Lenses 
Thread started 22 Sep 2012 (Saturday) 10:50
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Anyone use bill me later for lens on adorama?

 
RodneyCyr
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Sep 24, 2012 16:33 |  #31

I used them to buy my 15-85EFs from Adorama. I scheduled six equal payments through on-line banking and had no problems. I am not sure, but I think they also require minimum monthly payments. But if you pay only the minimum, you will not have it paid off within the six months.

The one "gotcha" is that, if you miss a payment or don't pay in full within the six months, they add retroactive interest, possibly as high as %30.

Other stores, such as Best Buy, often have similar deals, with the same requirements and the same "gotchas".


Canon 80D, 60D, Canon 10-22EFs, 15-85EFS IS, Sigma 18-300, Sigma 135/1.8ART, Sigma 30mm f/1.4DC, Canon 60mm EFs Macro, Rokinon 8mm fisheye, 550EX flash, Olympus TG2 underwater P&S
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Jay ­ T
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Sep 24, 2012 17:59 |  #32

Nickc84 wrote in post #15029446 (external link)
Thanks for feedback. I wanted the 135L but I only got a $1,000 limit on the bill me later option

You can increase your limit by attempting to purchase something over the $1000 limit. That is one way to raise your credit limit. It says it right on there site.I use it all the time and never had a problem. Just got a canon 300mm f4 IS used from adorama. My limit was $4600 and I tried to buy it for $6150 and it went through. If it does not go through it does not effect your BML account at all. Read it on there site or call and ask


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Nickc84
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Sep 24, 2012 18:12 |  #33

wow really?!!!! no way. O well i shouldn't be spending over a grand right now anyway. :lol:




  
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joayne
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Sep 24, 2012 18:37 |  #34

Been using it for more that 5 years..
Just make sure you pay it off in time or you are charged with the interest on the full amount.
I'm paying off a 70-200 2.8 L IS at present
Just paid off a 300 2.8L IS
No worries


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Nickc84
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Sep 24, 2012 18:40 |  #35

sweet. i'm gonna have to start thinking what i'm going to buy after I pay this bad boy off.




  
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jzguitar
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Sep 24, 2012 19:02 |  #36

Used it on B&H for my 10-22 earlier this year - no problems at all. Wound up paying it off a couple of months early (tax refund). I'll probably use it again for a 70-200 and try to time it with tax time again, too :)


Canon 6D, Canon EF 70-200 f4 IS, Tamron 28-75 2.8, Canon 50 1.8, 430EXII.
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*Knowledge*
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Sep 24, 2012 20:43 |  #37

Jay T wrote in post #15037352 (external link)
You can increase your limit by attempting to purchase something over the $1000 limit. That is one way to raise your credit limit. It says it right on there site.I use it all the time and never had a problem. Just got a canon 300mm f4 IS used from adorama. My limit was $4600 and I tried to buy it for $6150 and it went through. If it does not go through it does not effect your BML account at all. Read it on there site or call and ask

I read that on their site too. Since nobody can answer the questions I posted on the previous page, is it safe to say that once your limit has been reached BML will not use the Paypal funds that are in the account for the rest of the payment? I guess so.


I'm Preston & I pretend to know what I'm doing but I really just wing it.
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Tsmith
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Sep 24, 2012 23:10 |  #38

and another + is that they don't report to any Credit Report Agencies unless of course your account is in default.




  
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20DNewbie
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Sep 25, 2012 06:36 |  #39

*Knowledge* wrote in post #15037975 (external link)
I read that on their site too. Since nobody can answer the questions I posted on the previous page, is it safe to say that once your limit has been reached BML will not use the Paypal funds that are in the account for the rest of the payment? I guess so.


PP and BML are two separate accounts(thankfully), one shouldn't ding the other.


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w0m
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Sep 25, 2012 09:31 |  #40

No problem with it; just be careful to pay it off on time. I built my current desktop (~1700usd) with it off Newegg; and bought my 24-105l with it off Amazon.

My personal rule of thumb is that you should always have the ability to pay it off at any time (as in; I had 1700usd when I built my desktop; but I didn't want to empty my savings as I was fresh out of school). 24-105L on BML was mostly so my wife wouldn't see a lump purchase and question it.


[6D]

  
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ejhc11
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Sep 25, 2012 12:19 |  #41

Don't forget other offers like a new credit card w/ a nice 0% for 18 months plus some throw in $100 cash for spending over $500 in the first billing periods. I did that once pretty good deal.

Keep in mind gotta have good credit and can budget to pay it off before they zap you w/29% from the original purchase amount! Don't go overboard....


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Cameron ­ Hagen
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Sep 25, 2012 12:21 |  #42

I've used bill me later and I think it was great, I bought a lens off eBay. And like a previous poster I too was scrambling to come up with the money at the end of the 6 months :P


| 5Dc | 7D | 1D3 | 1Ds3 | 17-40 4.0 | 28 1.8 | 40 2.8 | 50 1.8 | 85 1.8 | 135 2.0 | ∑ 24-70 | ∑ 70-200 OS |
In need of : 300

  
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Brendo666
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Sep 25, 2012 12:30 |  #43

I think I am going to snag a 35L with BML, 6 equal payments is super manageable to do!


Here is the FAQ talkin about credit limit. All the way at the bottom paragraph it will explain how it works.
https://www.securechec​kout.billmelater.com …00750rollingiw.​html#bpfaq (external link)


-Brendan B.
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NASS ­ Photo
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Sep 25, 2012 14:03 as a reply to  @ Brendo666's post |  #44

I have used Bill Me Later w/ B&H a few times. As long as you pay it off before the six (6) months, you are ok. After six (6) months, it could be a lot of interest.


NickS

Canon 5DMIII; Canon EF35mm, f/1.4L; EF85mm, f/1.8; EF135mm, f/2.0L; EF200mm, f/2.8L.

  
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Nickc84
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Sep 25, 2012 16:15 |  #45

I just got a call from them to verify purchase. I asked the rep about the 6 months interest free since I heard people having issues with it. She said she's unable to verify promotional offers since it won't come up in the system for first 3 days

..now I'm a little worried




  
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Anyone use bill me later for lens on adorama?
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