Same here! I have great credit and don't want an excessive amount of credit cards so that I can keep it that way (the one that I do have is for emergencies) so I prefer to have delayed billing for 90 days for instance. I use LTD regularly and pay within a couple of weeks of receiving my items. I have a $1000 credit with Billmelater that I've kept in good standing for years now so I don't think that everyone here has bad credit and is trying to "steal". If I see a post here that I don't personally agree with (i.e. one post told posters to use a different name each time they attempt to obtain credit with one of the companies or something) then I just ignore that post because it doesn't pertain to me. But I don't make accusations or "judge" others. I am currently in school working toward my Psy.D and just don't have the extra money to purchase things that I may need up front.