HEY, I AM A 20 YEAR OLD MOTHER OF TWO, I HAVE BEEN MARRIED FOR 3 YEARS NOW, AND LOVE A BARGAIN. I HAVE POOR CREDIT, THANKS TO A CELL PHONE AND MY BAD DECISION MAKING SKILLS WHEN I WAS 18.....AND I DON'T HAVE A CREDIT CARD OR CHECKING ACCOUNT RIGHT NOW. I AM ALWAYS LOOKING FOR BUY NOW PAY LATER SITES LIKE ABC, ETC...SO LET ME KNOW WHAT YOU KNOW!