OpticsForYou Offers PayPal Credit - 6 Months Interest-Free Financing on Purchases over $99 — Page 1

OpticsForYou.com is excited to now offer our customers 6 months special financing on every purchase over $99 through PayPal Credit (formerly known as Bill Me Later). Enjoy No Payments and No Interest if Paid in Full in 6 Months. Now you can order today and pay for it later!

Here's how easy it is:

• Add items to your Shopping Cart at OpticsForYou.
• Check out with PayPal at OpticsForYou.com and then choose PayPal Credit.
• Answer 2 quick questions and review and accept the terms.
• You'll know within seconds if you are approved.
• Look for your PayPal Credit statement via email.

IMPORTANT NOTE: To access PayPal Credit Option during check out, you may need to log into PayPal first, or create a PayPal Account - that occurs on the next page. If you have a PayPal account you may choose to pay your current invoice online via PayPal and apply for their 6 months no payment, no interest option through PayPal Credit.

Here are the official details from PayPal:

Make no payments for six months. You will receive monthly statements from PayPal Credit / Comenity Capital Bank and you can make payments at any time. As long as you pay in full by the promotion expiration date, you will not be billed interest. Otherwise, interest will be billed from the date of purchase. There's no need to enter any account numbers and Zero Fraud Liability Protection means you're not responsible for unauthorized charges. There are no annual fees. Returns for orders placed using PayPal Credit adhere to our standard return policy

Here are some Frequently Asked Questions and Answers from PayPal Credit.

Avoid interest charges

• We'll send you reminders to let you know when your statement is available online.
• You can also view your account information online at any time to stay on top of purchases and make payments.
• Pay the amount financed for this purchase in full by the promotion expiration date on your statement.
• Take advantage of promotional financing on multiple purchases up to your available credit line. We'll help you keep track of when each promotional balance is due.

Your Money. Your Choice.

• If you'd like to take more time to pay, interest will accumulate at an Annual Percentage Rate (APR) of 19.99% starting from the date of this purchase.
• The accumulated or "deferred" interest will be added to your account balance when the promotional period for this purchase expires, if the balance is not paid in full.
• Deferred interest amounts and expiration dates are available on your statement and online at any time - so you can stay informed along the way.

What is PayPal Credit?

• A simple, flexible credit line that gives you more time to pay.
• Fast and easy -- no credit card to enter and approval just takes seconds.
• Add it to your PayPal account and get more time to pay at most places PayPal is accepted.
• Enjoy the peace of mind that comes with PayPal security and reliability.

PayPal Credit is a line of credit from Comenity Capital Bank that gives you the flexibility to pay for your purchase now, or pay over time. It's easy to apply and easy to use.

How do I select PayPal Credit as my payment source?

OpticsForYou.com offers the PayPal Credit option at checkout. Be sure the Paypal radio box is marked on the bottom of the checkout page and then click the "proceed to Paypal" button. You will be directed to a secure PayPal payments page. If it isn't already chosen, click the "Pay with a bank account, debit or credit card, or PayPal Credit" tab and then click the "PayPal Credit Special Offer" tab. You will then provide your basic billing information before you're asked for your date of birth and the last 4 digits of your Social Security number. Finally, agree to the terms and conditions. Approval takes just seconds. If approved, please continue through the prompts to complete your order. How does the "No Payments + No Interest if paid in full in 6 Months" offer work? You'll have the option to make no payments for 6 months, on qualifying purchases. You will receive monthly statements and can make payments at any time. As long as you pay in full by the promotion expiration date, you will not be billed interest for that purchase. If you do not pay in full, interest will be calculated from the posting date (which is usually within a few days after the purchase date) and will be billed to your account.

How do I pay my PayPal Credit bill?

You'll receive monthly statements and can choose to pay in full or over time (interest charges may apply). For your convenience, once you link your PayPal Credit and PayPal accounts, you can keep track of your purchases and make payments on PayPal.com. Pay your balance due from either your PayPal balance or your bank account. You can also pay your bill by phone through our automated service at 866-380-3752, or pay by mail by sending your check or money order to PayPal Credit, P.O. Box 105658. Atlanta, GA 30348-5658. Remember, PayPal does not accept cash. Please make checks out to "PayPal Credit." Include your payment coupon or write your account number on your payment. Please allow plenty of time so your payment gets to us before your due date. That way, you can avoid a late payment fee. Is there an annual fee to use PayPal Credit? Nope! There is no annual fee to use PayPal Credit. See the Terms and Conditions.

What is the Annual Percentage Rate (APR)?

The Annual Percentage Rate for standard purchases and cash advances on a PayPal Credit line is 19.99%, although some special offers have a lower, promotional APR. The Minimum Interest Charge is $2.00. Of course, you can choose to pay your entire balance by the payment due date to avoid interest charges.

What does "Subject to Credit Approval" mean?

PayPal Credit is a credit account that you can use to make purchases and send money. Comenity Capital Bank will review and consider your credit report and other credit related information prior to opening your account and establishing your credit line. Creditworthiness is determined by Comenity Capital Bank. This process happens in a matter of seconds as part of the PayPal Credit checkout process. Once you are a PayPal Credit customer, you can use your credit line to make purchases. If you make a purchase that would cause your outstanding balance to go above your credit line, PayPal will review your credit history and history with PayPal Credit to instantly determine whether to increase your credit line.

Do you check my credit report every time I make a purchase?

No. A credit report is reviewed when you apply for PayPal Credit and occasionally when you attempt to increase your credit line. Periodically, we'll obtain updates of your report, but these updates have no impact on your credit score. If for any reason your Credit Line is decreased, you'll be notified of the reason in writing.

Is there a fee for late payments?

Yes, you will be charged a late fee for each month that the minimum payment is not paid by the payment due date. The first time you're late, the amount of the late fee will be the same amount as the missed payment, up to $25. If you're late again, the late fee will be up to $35.

Does PayPal Credit protect me from liability for unauthorized charges?

Yes! PayPal Credit provides "zero fraud liability" protection, the same protection provided by most major credit cards. This means you are not responsible for unauthorized charges. And PayPal verifies your identity with top-of-mind information such as your date of birth and the last four digits of your Social Security number, so there's no account number that can be lost or stolen.

Is there a number I can call if I have additional questions?

Yes there is. PayPal Credit's customer service department is available to assist you with your PayPal credit related issues. Please call PayPal Credit at 1-866-528-3733 and they will do their best to help.