i think the bill me later is not a bad idea even with 18 percent. I think it will hurt you if your bill is alot. but if your bill is around 500.. 18 percent wont be much and you can pay it off in a 2 to 3 months if you want. What you can also do is cancel the money order if you think the guy is a fraud. Not sure if you can do that once the money order is cashed though. I think if you payed by money order the guy will get away with it. I think on the internet the safest way is through paypal. if you dont receive the item you can file a dispute and the guy HAS to have proof of shipment.. if he doesent then your money is returned weather the seller likes it or not. paypal always takes the buyers side no matter what.