B&H Payboo Credit Card Review 2021: Is it Worth it? (2024)

FAQs

What credit score do you need for a B&H credit card? ›

Above the legal age. Proof of employment (if employed) You're a U.S. citizen or a permanent resident. A credit score between 650–850.

You may use your Account to make purchases anywhere the Card is accepted. If your Card has the logo of one of our network providers (e.g., American Express, Visa and Mastercard), you may use your Account to make Cash Advances.

The new Payboo® Card, issued by Comenity Capital Bank, continues to be exclusively for use at B&H and replaces B&H's prior separate Payboo and Financing credit cards issued by Synchrony Bank.

As someone with a 630 credit score, you have just crossed over into the “fair” territory of credit score bands. You can qualify for financial products, like a mortgage or car loan, but you will likely pay higher interest rates than someone with better credit.

The B&H Payboo Credit Card program is being discontinued. Effective 11:59 p.m. EST on January 17, 2022 ("Purchase End Date"), you will not be able to make new purchases with this account, and your account will be closed on approximately April 4, 2022 ("Account Close Date").

The daily rate for purchases is . 08217% (APR 29.99%). Interest will be imposed in amounts or at rates not in excess of those permitted by applicable law.

Don't be sucked in by the tax-free benefit, you will not save as much as you think. Comenity is known to give you sh*t credit limits as low as $100. You must pay the entire transactions on that card or no discount will be applied.

The B&H Payboo card has a unique feature that will automatically refund sales tax when making a purchase. The refund is applied at checkout but only to the portion of the purchase being made with the card. This is not a standard credit card and can only be used for B&H purchases.

You can check your B&H Payboo Credit Card application status by calling customer service at (866) 292-5123. When you call, you'll have to provide the required information so that the issuer can match you to your application. You should receive a decision on your application immediately after applying, though.

How much is the B&H student discount? ›

Discounts usually range from 10 to 20% off retail price, but, depending on the product, the discounts may be higher—sometimes up to 50%! There is no membership fee or sign-up cost for the B&H EDU Advantage program. We have tons of items in stock and most get free expedited shipping!

In February 2016, the United States Department of Labor Office of Contract Compliance filed a lawsuit against B&H, citing concerns that the company exclusively hired Hispanic men for entry-level positions in a Brooklyn warehouse and allegedly subjected them to harassment and poor working conditions.

Customers making purchases on the B&H website can now make a split payment with multiple credit cards, a useful feature for those with limited credit on their individual cards. Previously, this method of payment was only available to customers when purchasing by phone or in store.

One of the best credit cards for a 550 credit score is the OpenSky® Plus Secured Visa® Credit Card because it has a $0 annual fee and there's no credit check when you apply, so approval is almost guaranteed.

The best store credit cards for bad credit are the Montgomery Ward Credit Account and the Amazon Secured Credit Card. Both of these store credit cards accept applicants with bad credit scores, have $0 annual fees, and report to the major credit bureaus.

The Comenity Bank credit cards that are easy to get are the ones that require fair credit for approval. That means you'll need a score of about 640 or higher.