I actually had a different reaction than Ron.

Ron's suggested revision might actually have the benefit of drawing in more consumers rather than turning them away.

The way that the FAQ is written, some consumers may assume that their credit is dinged each and every time they make a purchase. Drafting a more clear response would assuage that fear and encourage people who might otherwise have misgivings about Bill Me Later to use the service, much in the way that they might use a credit card.

We're all creatures of habit. It seems like Bill Me Later has everything to gain by reassuring consumers used to make credit card transactions over the Internet. Now that I'm clear on how it works, I may give it a shot over the holidays.