LOL didn`t think it would start a debate about credit and getting in over your head. PAD is credit, I guess. Plenty of other sites besides Ebay have it as a pay option. Polish Angel`s site has it, as about 5 other detailing sites I order from. I`m not the most financially responsible person, no lol. I use PAD mostly when my funds are low, but a site`s having a good sale and I know I`ll have the money before 14 days is up. PAD requires full payment in 2 weeks, so it`s not exactly like credit. I don`t make a lot of $$$, so even if I don`t waste money I`d still usually be just a bit short when I come on here and see a 20% + free shipping deal. And as for it being geared more to smaller companies where delivery will be questionable. I use it on Newegg, which is one of the largest online retailer, and they have some of the best shipping around. For me comes in especially useful when I order something for a client where they will reimburse me, but not right away.
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