I have used them for many items.like my Nikon D500 and different lenses. They are New Jersey equivalent to BH. They also do seminars/classes there.They also have many different organized day trips from there such as the wolves sanctuary reserve.

I don't believe BH has much to do with the lender/bank. If a credit card is not used for extended periods like 2 years most lenders cancel their card. It's easy to avoid this by purchasing something. Even a $10 item would keep the card active.