can someone please explain this bill me later option? it says it is part of paypal and that if you choose the bill me later option, you dont have to pay for a whole 6 months...this seems too good to be true. are there some hidden charges/fees that you have to pay every month or something? what are your experiences with this? i dont want to choose the option and then when its time to pay, i see a huge amount because they added fees to my total amount.