B&H is great with their new products. I have spent thousands of dollars (as we photographers do) over the last few years at B&H. However, on this most recent purchase I opted to take advantage of a special financing with their Payboo card program ran through Comenity Bank. I ended up paying it off in full after three months because their system was always "down" for payments and charged you $50 late fees. Then their system was conveniently down once balance was paid in full and were unable to report payoff to bureaus. I do not know if this is an actual affiliation with B&H or this is who they choose to represent them. Either way I will take my business elsewhere while they use Comenity Capital for their in house financing.