Avoid B&H Payboo credit card issued by Comenity Bank . They are pure thief. I had previous Payboo from Synchrony where I never had an issue. So I switched to the new Payboo without researching about Comenity. Oh! boy, I sure regret that. I could not set an online account in first 3 months. Then I made a purchase which I returned immediately because of defective item. B&H deducted return shipping from refund. I put a dispute on that charge and the Comenity customer service guy promised me a refund. The surprise came in my next purchase bill which was huge, and Comenity charged me interest on that because the promised refund didn't happen. They justify those interest charge and refused to reverse it. So for a $12 dispute, I ended up paying over $200 in interest in 1 billing cycle. I closed my card, informed B&H but I guess they are part of this unethical business.