• • Pay with Bill Me Later® to get the special offer. The "No Payments for 90 Days" offer is not available from all retailers who accept Bill Me Later®.
  • • You may see this offer advertised as "No Payments until..." such as "No Payments until December 2008".
  • • Minimum purchase required to qualify for the “No Payments for 90 Days” promotional offer. (Some retailers may have a different minimum
      purchase amount).
  • • Simply select “Yes, I’d like No Payments for 90 Days...” in order to be eligible to receive the promotional offer.
  • • Make your purchase before midnight EST on to receive the promotional offer.
  • • You will receive monthly statements and if you pay in full by the promotion expiration date as listed below you will not be charged finance charges.
 For example if purchase is made in:  Date to pay in full by to avoid finance
 charges (Promotion Expiration Date)
• If payment in full is not made by the promotion expiration date listed above, finance charges will apply from the transaction date.
• If approved, CIT Bank will make a loan to you for the amount financed to pay for your purchase. CIT Bank will pay the merchant on your
  behalf to pay for the purchase.
• If you repay the amount you borrow (the amount financed) in full on or before the promotion expiration date listed above, you will repay
  only the amount financed, and CIT Bank will charge you no finance charge for the loan.
Click here for the Terms and Conditions of the Bill Me Later® Loan Agreement if you are ordering online or already have a Bill Me Later®
  account. Your purchase will be subject to a Deferred Payment Option under the Agreement.
  If you are ordering by phone and this is the first time using Bill Me Later®, or if you previously ordered by phone and did not use the "My Way to Pay" coupon, see below. (If you already have a Bill Me Later® account, this section does not apply to you).  
Click here for the Terms and Conditions of the Bill Me Later® Installment Loan Agreement.
• If you do not pay the amount financed in full by the promotion expiration date listed above, that will be your way of telling us you want to
  repay the loan in installments. In that case, finance charges will be charged beginning on the date of your purchase (the transaction date).
• The following are some examples, using different loan amounts (amounts financed), of what you will pay if you choose to pay in
  installments; the examples assume that your purchase is made on the first of the month (as noted below) and you make no payment until
  the corresponding payment due date (noted below):

 Certain Phone Orders (Examples):
 Amount Financed
 Total of Payments
 Payment Schedule
 11 payments of $25  and 1 payment of  $23.90
 11 payments of $50  and 1 payment of  $47.84
 11 payments of  $100 and 1 payment  of $95.81
 When Payments Are Due
 If purchase is made on:

 Payment Due Dates if you choose to pay in installments:

 Monthly Beginning
 Monthly Beginning
 Monthly Beginning
  How do I sign up for a Bill Me Later® account?
You can sign-up right at the merchant's site. Simply choose Bill Me Later as your payment method at checkout, answer a few quick questions, and you're done. Approval only takes a few seconds. Then you'll receive a bill in the mail. There is no sign-up prior to making your purchase and there is no sign-up fee. View Demo

How do I use Bill Me Later® again?
When making purchases at the other 700 sites in our network: 1) You sign-up the first time you purchase at that site;  2) After that, just click Bill Me Later to make future purchases at that retailer. It's that Easy!

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 19.99%. The Minimum Finance Charge is $2.00. Of course, you can choose to pay your entire balance by the payment due date and pay no finance charges.

How does the "No Payments for 90 Days" promotion work?
You will receive monthly statements for your purchases but you will not be required to make a payment until your billing statement following the promotion expiration date. You can make payments at any time during the promotional period. If you pay for your purchase in full by the promotion expiration date, you will not be billed Finance Charges. Otherwise, Finance Charges will be billed from the transaction date.

Does Bill Me Later® protect me from liability for 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. CIT Bank will review and consider your credit report and other credit related information prior to approval. Creditworthiness is determined by CIT Bank.

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

Where else can I use Bill Me Later®?
Bill Me Later® is available at over 700 sites. A complete list of the retailers 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?
You may visit the Bill Me Later® website at www.billmelater.com.

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