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BnH REALLY!?
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Apr 26, 2024 17:53:34   #
Bill_de Loc: US
 
BebuLamar wrote:
first I am not sure if he still can return it because when he received the bill it's almost a month after the purchase. Second I don't know but I think he has the loan for the month so he should have to pay for the interest.




You said interest ... I heard tax.

Getting old ain't what I expected.

---

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Apr 26, 2024 18:30:08   #
jim quist Loc: Missouri
 
billnikon wrote:
You should call customer service, and in case you did not know, this is how the Payboo card works, if you pay with with the payboo card, you do not have to pay sales tax.
When ever I make a purchase like yours, I call them to make sure they know that I am going to pay over 6 months or a year, if you do that, YOU HAVE TO PAY THE SALES TAX on your purchase but are charged no interest if you pay it off within the specified time frame. So if the sales tax is .05 and you buy 6000.00, you'll have to pay about 300 in sales tax on that purchase.
If they had you pay interest, there is probably a mix up at there end. I WOULD CALL THEM INSTEAD OF COMPLAINING HERE.
Why not put your big boy pants on and call them, I am sure BnH will fix it, REALLY!!!!!!!!!!!!!!!!!!
Folks like you that come here FIRST to complain instead of handling it with customer service show everyone here what you really are, a whiner.
https://www.google.com/search?q=payboo+credit+card&oq=Payboo&gs_lcrp=EgZjaHJvbWUqBwgBEAAYgAQyCggAEAAYsQMYgAQyBwgBEAAYgAQyBwgCEAAYgAQyDQgDEC4YrwEYxwEYgAQyBwgEEAAYgAQyBwgFEAAYgAQyBggGEEUYPTIGCAcQRRg90gEINTYyMmowajeoAgCwAgA&sourceid=chrome&ie=UTF-8#fpstate=ive&vld=cid:76357e03,vid:iUlD-cpXXGM,st:0
You should call customer service, and in case you ... (show quote)


Your funny and off your meds again?

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Apr 26, 2024 18:32:57   #
BebuLamar
 
jim quist wrote:
Your funny and off your meds again?


Jim. They did collect the tax from you right?

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Apr 26, 2024 20:40:22   #
Blenheim Orange Loc: Michigan
 
boomboom wrote:
I feel people are hesitant about asking questions for fear they will be mocked. That’s not the way this forum was set up. Sometimes you just want to hear others opinions about something and not a lecture on all the places you should have gone to find the answer yourself. It’s not that hard to be courteous to others.


Amen.

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Apr 26, 2024 23:05:40   #
Sidwalkastronomy Loc: New Jersey Shore
 
You should pay interest for sure

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Apr 28, 2024 14:21:33   #
rbtree Loc: Shoreline, WA, United States
 
billnikon wrote:
Didn't you read my post!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I got 12 months NO INTEREST, NO SALES TAX.
How long have you been blind?


Guess I'm blind as well, because that is NOT how payboo works.... at least not as shown in the terms. Personally, I have used both payboo cards..but always paid the balance off before the interest would be charged.

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Apr 28, 2024 14:59:21   #
Sidwalkastronomy Loc: New Jersey Shore
 
rbtree wrote:
Guess I'm blind as well, because that is NOT how payboo works.... at least not as shown in the terms. Personally, I have used both payboo cards..but always paid the balance off before the interest would be charged.


I posted the b and h terms earlier in thread.
In NJ if they don't have a physical brick and motor in state they won't charge you tax.
Depends what state he's in. You in NJ suppose to pay a usery tax voluntary

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Apr 28, 2024 15:13:50   #
rbtree Loc: Shoreline, WA, United States
 
Yes. I know you did...as did probably others. I wasn't addressing you, but the chap who seemed to think he could both pay no sales tax AND get credit terms.

My sales tax rate, here just north of Seattle is now a whopping 10.6%!!

I imagine B&H pays the sales tax, as it is written into law in most if not all states that charge it, these days. It would be their way to offer discounts or attract customers, or both.

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Apr 28, 2024 15:38:08   #
Parfumeur Loc: Forest Hills, NY USA
 
Commenity bank = TX, what else can I say?

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Apr 28, 2024 18:23:24   #
rbtree Loc: Shoreline, WA, United States
 
How is where the bank is based relevant?

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Apr 28, 2024 19:53:05   #
Parfumeur Loc: Forest Hills, NY USA
 
Do due diligence on marketing.

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Apr 29, 2024 15:25:24   #
niteman3d Loc: South Central Pennsylvania, USA
 
Parfumeur wrote:
Commenity bank = TX, what else can I say?


What else? Maybe more explanation. Bread Financial is headquartered in Ohio and Comenity Bank is headquartered in Deleware. What am I missing?

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Apr 29, 2024 17:56:27   #
DRM Loc: NC
 
niteman3d wrote:
What else? Maybe more explanation. Bread Financial is headquartered in Ohio and Comenity Bank is headquartered in Deleware. What am I missing?


Actually, both Bread Financial and its subsidiary, Comenity Bank, are headquartered in Columbus. The Delaware office is Comenity's only operating branch, it appears. Also affiliated with Bread is Comenity Capital Bank, which appears to be headquartered in Utah. Like you, I had wondered about the Texas reference.

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Apr 29, 2024 18:10:32   #
Parfumeur Loc: Forest Hills, NY USA
 
Originally in Plano as Alliance. Lots of mergers and fiscal center relocations. DE is the Switzerland of the USA.

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Apr 29, 2024 18:50:27   #
DRM Loc: NC
 
Parfumeur wrote:
Originally in Plano as Alliance. Lots of mergers and fiscal center relocations. DE is the Switzerland of the USA.


Yes, for incorporation especially (DE). I expected to find Comenity incorporated in Delaware, but apparently not. Just their one operating office located there.

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