I agree. My experience is I made a purchase within the time frame to receive 6 months no cash no interest through the merchants website but billmelater claimed I went through paypal and selected billmelater so I'm only entitled to 90 days instead of the companies 6 months.
I have the money, only wanted time to test the product before making a decision (a Netbook) but to have 3 months I'm entitled to taken away is bad business. It shouldn't matter where I chose billmelater, as long as I select billmelater and the promotion from the company who had the promotion should still stand.
Citibank is behind billmelater, that should explain the problems.