Bill Me Later does a hard pull which affects your credit. It's just like opening a credit card.
it mighy drop it a point (and you'll get it back in no time at all)...please know the credit is not a bad thing...its how you choose to use it...if you default it ruins your credit...having open revolving credit that use less the 50% and pay more the min payments and pay it off in decent amount of times will actually give you a better credit score then not having any....
please, please know and be qualified to speak on finances...not just what you have heard.
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