PAYBOO Card from B&H (Page 4): Whoever pays it, you know "many" people carry a balance on their cards, so B&H or the bank are not losing money.

JD750 Loc: SoCal

BebuLamar wrote:

It's possible that the bank pay the tax in hope of getting the interest payment.

Whoever pays it, you know "many" people carry a balance on their cards, so B&H or the bank are not losing money.

Mustanger Loc: Grants Pass, Oregon USA

We don’t have a sale s tax in Oregon so none is ever charged to me even without the card. I like it.

Sidwalkastronomy Loc: New Jersey Shore

bobforman wrote:

I found it a bit humorous when they rejected my application. I have a credit score of 833 and pay off my cards each month. I think they're hoping for people to make time payments and reject those who don't.

You know they changed who services them. 833 and rejected?
You have something going on.
I have similiar score, no loans or recurring debt and one other credit card. As they say, "what's in your wallet.
You have something g you are n I t disclosing. I pay off my card monthly.
I always get a statement but I pay it off the next week

DaveO Loc: Northeast CT

jdubu wrote:

That is the first time I've ever heard of this pay... (show quote)

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Drbobcameraguy Loc: Eaton Ohio

geagle1313 wrote:

Has anyone recently used the new PAYBOO Card from B&H when making a purchase? Is the tax immediately credited to your purchase or is this just a credit against future purchases? What are the Pro's & Con's of using this method of payment? And do you find it worth opening a new credit card?

I'm not sure. They sent me one and I never activated it or used it. Last week they sent me a email stating that they are cancelling the card and reporting that to the credit bureau. That will drop my score at least 15 points. I personally think it is wrong since I never activated the card.

DaveO Loc: Northeast CT

Drbobcameraguy wrote:

I'm not sure. They sent me one and I never activated it or used it. Last week they sent me a email stating that they are cancelling the card and reporting that to the credit bureau. That will drop my score at least 15 points. I personally think it is wrong since I never activated the card.

Amazon did almost the same thing to me about 3 weeks ago due to lack of use. They did say it would likely drop my rating, but subsequent repots showed a 3 point drop. My score is up and down a few points every month, so there is nothing conclusive in my situation.

bobforman Loc: Anacortes, Washington State

JohnSwanda wrote:

"Fabricating a false narrative"? You mean lying. I was denied a card with an excellent credit rating, so you are calling me a liar. How can you know that never happened to anyone? It was early on in the program, and it was a different bank than the one they use now. I haven't tried with the bank they use now.

I agree with JohnSwanda. Questioning our veracity is as inappropriate as it is wrong on a factual basis. Like Sidewalk, I have no debt and pay off my cards monthly. I have a service that monitors my credit and notifies me if it changes. Over the years it has changed little. When you have no knowledge of events, withhold your judgement.

Sidwalkastronomy Loc: New Jersey Shore

geagle1313 wrote:

Has anyone recently used the new PAYBOO Card from B&H when making a purchase? Is the tax immediately credited to your purchase or is this just a credit against future purchases? What are the Pro's & Con's of using this method of payment? And do you find it worth opening a new credit card?

You get a credit at the purchased time. No questions asked

Sidwalkastronomy Loc: New Jersey Shore

Drbobcameraguy wrote:

I'm not sure. They sent me one and I never activated it or used it. Last week they sent me a email stating that they are cancelling the card and reporting that to the credit bureau. That will drop my score at least 15 points. I personally think it is wrong since I never activated the card.

They sent you a new one with the new bank. You must have had the older one

oldedmundo

B&H, how can anybody do better. I recently bought an Godox AD 600 pro at a reduced price about a week after it arrived, I found it on their website at an even lower price .
One phone call later I had a refund.
They are the Gold Standard.

henryp Loc: New York, NY

oldedmundo wrote:

B&H, how can anybody do better. I recently bought an Godox AD 600 pro at a reduced price about a week after it arrived, I found it on their website at an even lower price .
One phone call later I had a refund. They are the Gold Standard.

Thank you. Great to read this!

oldedmundo

You have made a company wide commitment to have real customer service , we the public thank you .

rmorrison1116 Loc: Near Valley Forge, Pennsylvania

Mustanger wrote:

We don’t have a sale s tax in Oregon so none is ever charged to me even without the card. I like it.

The only reasons anyone should use a payboo card is, avoiding sales tax or they have no other choice. With a 28 day billing cycle and 30 percent interest, payboo is little more than a legal scam.

niteman3d Loc: South Central Pennsylvania, USA

rmorrison1116 wrote:

The only reasons anyone should use a payboo card is, avoiding sales tax or they have no other choice. With a 28-day billing cycle and 30 percent interest, payboo is little more than a legal scam.

The special financing option is zero interest on items over $199 for six months or twelve months for amounts over $599. So... for example, if you want a Z9 and choose special financing, you pay the sales tax but get free financing for a year. You'll save whatever the difference between zero and the rate on your next best card if you need the financing. Still not too shabby.

StevenG Loc: Long Island, NY

rmorrison1116 wrote:

The only reasons anyone should use a payboo card is, avoiding sales tax or they have no other choice. With a 28 day billing cycle and 30 percent interest, payboo is little more than a legal scam.

Pay in full: no tax, no interest.