90일 무이자 대출 프로그램은 네트워크 마케팅 회사 중엔 매나텍 회사가 가장 처음으로 도입한 프로그램일 것입니다.
299불 이상을 대출받을 때 사용될 수 있는 프로그램입니다.
90일간 현금과 같이 사용될 수 있으며, 90일 내에만 대출금액을 갚으면 되며,
유타 주의 Salt Lake City 소재, CIT 은행이 대출은행입니다.
이 프로그램은 크레딧 카드 사용이 필요 없으며, 단지 대출받을 자격이 있는지를 가리는 3초 정도의
크레딧 조사 과정에서 승인만 받으면 됩니다.
현재 미국 거주, 18세 이상, 쏘셜번호 소유자에게만 해당되는 프로그램입니다.
다음이 영문으로 된 설명입니다:
Bill Me Later® Offers a Convenient Purchase Option Mannatech has partnered with Bill Me Later® to provide another handy purchasing resource for Associates in the U.S.
Bill Me Later® Training
Bill Me Later® FAQ's
Mannatech Bill Me Later® Program
Bill Me Later® is a secure and convenient payment method. Designed for both web and phone purchasing within the U.S., this option provides an extra level of security through "Zero Fraud Liability" protection. Best of all, Bill Me Later® does not require the use of a credit card. Here's what you need to know about this convenient payment option when signing up U.S. Associates:
- Bill Me Later® is available for all purchases by Associates residing within the U.S. (excluding Automatic Orders), regardless of order amount. For purchases of $299 or more, Bill Me Later® will offer "90-day, same-as-cash" terms-especially nice for the new U.S. Associate buying a large registration pack, or for any U.S. Associate making a large purchase.
- No interest will be charged if the amount is paid in full within 90 days; otherwise interest will be charged from the purchase date on the remaining balance. The Associate will receive a statement in the mail from Bill Me Later® to be paid directly to them.
- Bill Me Later® is subject to credit approval. Purchases under $299, excluding Automatic Orders, will be subject to standard credit terms. No interest will be charged if the account is paid off in full by the statement due date.
The application process is simple and fast, requiring only the U.S. Associate's date of birth, the last four digits of the Social Security Number and agreement to the terms. Once established, the account may even be used for purchases on other Bill Me Later® partner sites.
Please note: Accessing the Bill Me Later® program will involve some adjustments for the enrolling U.S. Associate. Due to financing laws and regulations involving the granting of credit, the upline person cannot sign up a new Associate using that person's information. Due to the financing nature of the payment option, it is important that each new account holder personally acknowledge and accept the terms and conditions. Therefore each person must process the Mannatech registration and the Bill Me Later® credit application on their own. Mannatech's Sales Support line at (800) 281-4469 or the Enroller's MannaPage™ are two great options. To make this process more convenient, we have now added the Custom Pack options to the MannaPage™ site.
Bill Me Later® is subject to credit approval as determined by the Lender, CIT Bank, Salt Lake City, Utah.
It currently operates only in the United States and is available for U.S. Associates only who are of legal age in the state of residence, purchasing in U.S. dollars. It is restricted to personal accounts only and is not available for business accounts.
*Bill Me Later® is not available for Associates residing in Canada.
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).
If purchase is made on:
December 1, 2007
January 1, 2008
February 1, 2008
Monthly Beginning May 1, 2008
Monthly Beginning June 1, 2008
Monthly Beginning July 1, 2008
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.