First off I promised myself I would never get a credit card and my parents would kill me if they found out I got one. I have set aside $500 to put down toward $2,000. Normally I would save up the whole amount but I need it sooner so I looked into the billmelater option. I have seen both negative and positive reviews. Anyone think I should go for a credit card or billmelater? If the negative reviews are right I dont want 116 percent APR on $1,500!