B&H # ASFA507XVBS9 MFR # FA507XV-BS93. 6 Reviews. Key Features. 4.0 GHz AMD Ryzen 9 7940HS 8-Core CPU. 16GB DDR5 | 512GB M.2 NVMe PCIe SSD. 15.6" FHD 1920 x 1080 144 Hz IPS Display. NVIDIA GeForce RTX 4060 GPU (8GB GDDR6) Show More. $1,14900.The Good. The Bad. Financing options available. No annual fee. Instant credit decision, so you can use the card right away if you're approved. 0% APR on new purchases during the first 12 months. There is then a variable purchase APR of 29.99%. No annual fee. B&H Store Credit Card reports to multiple credit bureaus.Mar 13, 2022 · Their web site is also extremely fast and offers a great buying experience. For an unknown reason, B&H switched to a new banking partner for their Payboo card: Comenity Capital Bank. Instead of ... Apple 12.9" iPad Pro M2 Chip (Late 2022, 256GB, Wi-Fi + 5G LTE, Space Gray) B&H # APMP603LLA MFR # MP603LL/A. 23 Reviews. Key Features. 12.9" Liquid Retina XDR Touchscreen. 2732 x 2048 Screen Resolution (264 ppi) Apple M2 8-Core CPU. 256GB Storage | 8GB RAM.B&H's holiday Payboo promotion offers readers 10% back on numerous Apple products, including the standard 14-inch MacBook Pro. With the Payboo 10% back bonus, you can pick up the M1 Pro 14-inch ...I had a weird experience lately though. Somehow my expiration year changed from 2026 to 2024 on the B&H site. Found this out after a call to bank. Still didn’t work so deleted the Payboo card from B&H site and re-entered the card information again and all was good, payment was accepted. Dec 30, 2022 at 01:27 AMPayboo is not a MasterCard or Visa. It's a store card like those issued by Macy's or The Gap, etc. Those frequently have an APR in the same range. For example: Amazon.com Store Card or Amazon Prime Store Card accounts, standard variable purchase APR is *28.24%* Kohl's, Macy's, JC Penney, all in the 29% range Lord & Taylor is 28% TJMaxx 28% Game ...Cookies are small data files that allow a website to collect and store data on your desktop computer, laptop or mobile device. Cookies help us to provide important features and functionality on our websites and mobile apps.2,799. 1,950. Aug 20, 2022. #1. Thinking of placing an order with B&H large enough that the Payboo card's tax-free rebate might make it worth signing up for another credit card. But, just to check, I called the number listed for the bank that issues Payboo (Comenity Capital Bank, 866-292-5123), and couldn't get through to customer service ('we ...B&H payboo Credit Card Review This is a store card issued by Synchrony Bank. If you're wondering whether B&H payboo Credit Card is the right card for you, read on. Key Takeaways. High APRs. This is not a great card for people who carry a balance. Your current Payboo® Card, issued by Synchrony Bank, will be valid for use with the “Save the Tax” instant benefit until January 17, 2022. You will receive a notice from Synchrony Bank soon stating that your current Payboo® Card will no longer be usable for new B&H purchases after January 17, 2022.Your current Payboo® Card, issued by Synchrony Bank, will be valid for use with the “Save the Tax” instant benefit until January 17, 2022. You will receive a notice from Synchrony Bank soon stating that your current Payboo® Card will no longer be usable for new B&H purchases after January 17, 2022.2,799. 1,950. Aug 20, 2022. #1. Thinking of placing an order with B&H large enough that the Payboo card's tax-free rebate might make it worth signing up for another credit card. But, just to check, I called the number listed for the bank that issues Payboo (Comenity Capital Bank, 866-292-5123), and couldn't get through to customer service ('we ...May 8, 2019 · Card transactions are processed through Synchrony Bank (more on them later). There is no annual fee. Use the Payboo store credit card to pay for purchases at bandh.com, by telephone, at their Manhattan retail store, or at B&H B2B and EDU portals. Note that this is not a general purpose credit card and therefore cannot be used at other retailers. Cookies are small data files that allow a website to collect and store data on your desktop computer, laptop or mobile device. Cookies help us to provide important features and functionality on our websites and mobile apps.Yeah they fucked me too. The day after I got the card, I got an email saying it will close in 1 month. Fucked my credit for 1 purchase. Then B&H said I had to pay off my 4000 dollar laptop before the card closed on Jan 17th or they wouldn't be able to charge it there. I now paid 4K for my laptop on Dec 15, 56 days later and I still don't have shit.Expert news, reviews and videos of the latest digital cameras, lenses, accessories, and phones. ... B&H is ending the Payboo program! Started 4 weeks ago ...Aug 5, 2021 · Your current Payboo® Card, issued by Synchrony Bank, will be valid for use with the “Save the Tax” instant benefit until January 17, 2022 You will receive a notice from Synchrony Bank soon stating that your current Payboo® Card will no longer be usable for new B&H purchases after January 17, 2022. Introducing the B&H Payboo Credit Card - the first credit card designed to help you save the tax.*Learn more at http://bhpho.to/paybooJust shop at B&H In-Sto...Become a B&H Payboo Credit Cardholder today! Applying is easy and takes only a few minutes. If you're approved, you can begin enjoying all the benefits of your Payboo Credit Card today! Instant Savings On qualifying purchases when you use your card‡ or. Special Financing. 6 Months Promo Financing§ On purchases of $199 or moreIn October of 2018, B&H Photo, as a result of the South Dakota vs. Wayfair Supreme Court decision, began collecting sales tax on interstate sales in 22 states. This put it at a disadvantage compared to some of its competitors. As a corrective, B&H is today implementing a give-back program for its customers called "Payboo."Specialties: At B&H, we specialize in a number of world renowned brands, including Apple, Canon, Nikon, Sony, Fuji, Kodak. Leica, Olympus, Pentax, Samsung, HP, GoPro, Panasonic...DSLR Cameras and many more! Established in 1973. Safe Store Pickup remains available on Sunday from 10am to 6pm, Monday through Thursday from 9am to 8pm, and Friday from 9am to 2pm. All you have to do is place an ...May 16, 2019 · B&H Photo Superstore in New York City announced Payboo. It’s a credit card backed by Synchrony Bank which offers customers the ability to get back their sales tax by the way of rewards. It means that if your state’s sales tax is 6% then your rewards is 6%, if it’s 10% then your reward is 10%. The reward is used as statement credit. Dec 20, 2021 · I was a little surprised when I received my new Comenity Bank PayBoo card, the limit was about 1/2 of my previous limit. My credit score is over 800. I was planning on buying about some new gear. I asked for an increase on-line and was given a new amount higher than my previous PayBoo card. Getting the increase was painless. The first step is getting the right computer parts. The six essential parts you'll need for a working PC are the case, motherboard, processor, RAM, hard drive, and power supply unit. A computer case is an enclosure for all the other components. This chassis serves as housing for a PC's internal hardware. The motherboard is the core piece that ...Payboo is a revolving credit card provided by Synchrony Bank for B&H purchases made over the phone, in-store or online. As soon as you complete a transaction with Payboo, the sales tax you paid to your state initially will be refunded to you. You will be compliant with the law, while B&H will comply as well. According to The Digital Story, the ...Introducing the B&H Payboo Credit Card - the first credit card designed to help you save the tax.*Learn more at http://bhpho.to/paybooJust shop at B&H In-Sto...I made an online payment. When will my available credit be updated? I’m preparing to take a trip outside of the U.S. How can I ensure my account is paid on time? Get the answers you need fast by choosing a topic from our list of most frequently asked questions. Account. Account Assure. Activate Card. APR & Fees.When you make any taxable purchase at B&H with Payboo, you receive an immediate, instant reward equal to the sales tax you paid. And at B&H, instant means instant — no expiring points, credits, or coupons to worry about. It’s that simple. (Note: B&H will collect and remit state sales tax in accordance with state sales tax laws and regulations.)As of August 2022, terms for new Accounts: Purchase APR of 29.99%. Minimum interest charge is $2.00 per Credit Plan in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms. Smart features and free tools to help you get the most from your Synchrony credit card. Special Offers. Promotions and discounts from our retail partners. Blog. Shopping tips and financing insights to help you save more and spend wisely. Payment Calculator. See how a big purchase can fit your budget with manageable monthly payments. Synchrony ...Smart features and free tools to help you get the most from your Synchrony credit card. Special Offers. Promotions and discounts from our retail partners. Blog. Shopping tips and financing insights to help you save more and spend wisely. Payment Calculator. See how a big purchase can fit your budget with manageable monthly payments. Synchrony ...B&H Photo Superstore in New York City announced Payboo. It’s a credit card backed by Synchrony Bank which offers customers the ability to get back their sales tax by the way of rewards. It means that if your state’s sales tax is 6% then your rewards is 6%, if it’s 10% then your reward is 10%. The reward is used as statement credit.Dec 5, 2021 at 15:00. The Great Joy 60mm T2.9 offers full-frame users an affordable option for 1.33x anamorphic shooting, while the 1.35x adapter can squeeze that to 1.8x, or turn your regular spherical lenses anamorphic for an even more budget-friendly solution.How can I make a payment on my B&H Financing Credit Card? Pay Synchrony Online: Click here to login and make or schedule payments. Pay Synchrony by Phone: Call Synchrony Bank Customer Service at 1.866.396.8254. Office Hours: Daily - 7:30am to 12:00 midnight EST.Christine McKee | Jan 20, 2022. B&H has relaunched its Payoo Credit Card, now offering shoppers a choice of a sales tax refund or special financing of up to 12 month on qualifying purchases. The ...B&H Payboo Approved! B&H Payboo Approved - $4k. They tried to pull my frozen EX, then pulled TU instead. It was an instant approval, which is rarity for me, so I am pretty proud of it. I really have put off getting this card for too long. The credit back of full sales tax (8.25%) is better than any rewards credit card can offer.Mar 13, 2022 · Their web site is also extremely fast and offers a great buying experience. For an unknown reason, B&H switched to a new banking partner for their Payboo card: Comenity Capital Bank. Instead of ... Yeah they fucked me too. The day after I got the card, I got an email saying it will close in 1 month. Fucked my credit for 1 purchase. Then B&H said I had to pay off my 4000 dollar laptop before the card closed on Jan 17th or they wouldn't be able to charge it there. I now paid 4K for my laptop on Dec 15, 56 days later and I still don't have shit.Jun 11, 2020 · B&H Payboo Approved! B&H Payboo Approved - $4k. They tried to pull my frozen EX, then pulled TU instead. It was an instant approval, which is rarity for me, so I am pretty proud of it. I really have put off getting this card for too long. The credit back of full sales tax (8.25%) is better than any rewards credit card can offer. 2022 update: The B&H Payboo Credit Card program has relaunched and now offers a sales tax refund on orders in qualifying states or the choice of special financing of up to 12 months on...B&H payboo Credit Card Review This is a store card issued by Synchrony Bank. If you're wondering whether B&H payboo Credit Card is the right card for you, read on. Key Takeaways. High APRs. This is not a great card for people who carry a balance.Dec 20, 2021 · Update 12/20/21: Card has been discontinued, see the FAQ here. (ht reader Jon) 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”). As of August 2022, terms for new Accounts: Purchase APR of 29.99%. Minimum interest charge is $2.00 per Credit Plan in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms. May 7, 2019 · There’s one caveat, though: while the average APR for credit cards is around 14% to 19%, the Payboo card has an APR of 30%, so you’ll definitely want to pay off purchases made on the card ... Smart features and free tools to help you get the most from your Synchrony credit card. Special Offers. Promotions and discounts from our retail partners. Blog. Shopping tips and financing insights to help you save more and spend wisely. Payment Calculator. See how a big purchase can fit your budget with manageable monthly payments. Synchrony ...May 7, 2019 · Shortly after 6 p.m. Pacific, B&H launched the Payboo Credit Card page, with a message reading "you pay the tax, we pay you back."Shoppers in eligible states will receive a reward equivalent to ... Yeah they fucked me too. The day after I got the card, I got an email saying it will close in 1 month. Fucked my credit for 1 purchase. Then B&H said I had to pay off my 4000 dollar laptop before the card closed on Jan 17th or they wouldn't be able to charge it there. I now paid 4K for my laptop on Dec 15, 56 days later and I still don't have shit. B&H further explains the process under the question 'How does the Payboo Card benefit really work?' 'When you pay for B&H purchases with the Payboo Credit Card, B&H will charge the total of merchandise plus applicable fees and taxes; but we instantly issue and apply a reward on orders made in our SuperStore or shipped to eligible states right in checkout as a form of customer payment.All Help Topics. Get the answers you need fast by choosing a topic from our list of most frequently asked questions. Account. Account Assure. Activate Card. APR & Fees. Authorized Buyers. Automatic Payments. Bread Financial. Apple 12.9" iPad Pro M2 Chip (Late 2022, 256GB, Wi-Fi + 5G LTE, Space Gray) B&H # APMP603LLA MFR # MP603LL/A. 23 Reviews. Key Features. 12.9" Liquid Retina XDR Touchscreen. 2732 x 2048 Screen Resolution (264 ppi) Apple M2 8-Core CPU. 256GB Storage | 8GB RAM.If you have a large or routine purchase to make, we have the financing solutions that can help fit it into your budget. * From national retailers to local merchants, Synchrony helps you plan your purchases and manage your payments in major categories, including: Automotive. Electronics & Appliances. Flooring.Scroll down. it is not worth it, it is a scam. They charge so much in interest that it's almost impossible to pay off the balance, unless you pay the whole thing off. The late payment fees are so enormous, I paid off my whole balance and now they want $150 more for being late. These fees are out of control! B&H # ASFA507XVBS9 MFR # FA507XV-BS93. 6 Reviews. Key Features. 4.0 GHz AMD Ryzen 9 7940HS 8-Core CPU. 16GB DDR5 | 512GB M.2 NVMe PCIe SSD. 15.6" FHD 1920 x 1080 144 Hz IPS Display. NVIDIA GeForce RTX 4060 GPU (8GB GDDR6) Show More. $1,14900. You make a purchase and use the card to pay. We immediately charge the order total including state sales tax, then send the tax amount to your state, then issue a refund to you for that amount. In the end you've paid for the item (s) and any s&h fee but the tax is back in your pocket.Shop Digital Cameras, 35MM Camera Equipment, Photography, Photo Printers, Computers, Home Theater, Authorized Dealer Canon, Sony, Nikon, Apple, Olympus, Panasonic ... 07:13:11. $1,799.00 Save $500 Instantly. Rotolight NEO 3 On-Camera RGBWW LED Light Ultimate Bundle. 12. $36900. Deal ends in. 07:13:11. $649.00 Save $280 Instantly. Lexar 320GB Professional CFexpress Type A Card GOLD Series with Card Reader.Re: B & H Photo Payboo credit card. I have been pricing out a new camera, media cards, L bracket and an extra battery. The total is a hefty chunk of change and in my locality the sales tax is over 9%. The B&H marketing says the tax comes right off the CC bill if you use the Payboo card. Note The card has an annual rate of 29.99%.If you have a large or routine purchase to make, we have the financing solutions that can help fit it into your budget. * From national retailers to local merchants, Synchrony helps you plan your purchases and manage your payments in major categories, including: Automotive. Electronics & Appliances. Flooring.Scroll down. it is not worth it, it is a scam. They charge so much in interest that it's almost impossible to pay off the balance, unless you pay the whole thing off. The late payment fees are so enormous, I paid off my whole balance and now they want $150 more for being late. These fees are out of control! Comenity is known to give you shit credit limits as low as $100. You must pay the entire transactions on that card or no discount will be applied. So if you have only a $300 credit limit, you cannot use the tax discount on a $700 graphic card or a $400 CPU. Stick to your 1.5%-2% cash back on everything card if you have one.p.1 #8 · p.1 #8 · Question for those that have bought the A1 with the payboo credit card at BandH. It was easy to increase credit limit. I got $6000 initially, I just logged into the credit card web site and there is a link to increase credit limit, I used that and instantly increased my limit to $8000.Introducing the new B&H Payboo Card! Learn more: bhpho.to/paybooSpecial Financing. 6 Months Promo Financing§. On purchases of $199 or more. 12 Months Promo Financing§. On purchases of $599 or more. ‡ Offer available on qualifying purchases. This offer does not apply to purchases of gift cards, other tax exempt purchases, or promotional plan purchases. Photography lighting provides illumination when you're taking a picture or filming video footage in low-light conditions. This usually occurs when you're shooting at night, inside buildings, or in areas with limited sources of light. The proper use of flashes and on-camera lights not only improves the quality of photos and video clips you take ...07:13:11. $1,799.00 Save $500 Instantly. Rotolight NEO 3 On-Camera RGBWW LED Light Ultimate Bundle. 12. $36900. Deal ends in. 07:13:11. $649.00 Save $280 Instantly. Lexar 320GB Professional CFexpress Type A Card GOLD Series with Card Reader.Buy More at B&H including B&H Gift Cards, Car Accessories and Smart Home. Visit B&H for prices, awesome selection and service. Dec 5, 2021 at 15:00. The Great Joy 60mm T2.9 offers full-frame users an affordable option for 1.33x anamorphic shooting, while the 1.35x adapter can squeeze that to 1.8x, or turn your regular spherical lenses anamorphic for an even more budget-friendly solution.If you have a large or routine purchase to make, we have the financing solutions that can help fit it into your budget. * From national retailers to local merchants, Synchrony helps you plan your purchases and manage your payments in major categories, including: Automotive. Electronics & Appliances. Flooring. Re: New Comenity Shopping Cart Trick Card - B&H Payboo. To anyone trying to get a credit limit increase on this card, this just worked for me... I have a 5k limit and attempted a charge for about $6,775. The charge went through successfully and I went to the Comenity B&H website and saw my credit limit was instantly adjusted to $6,800...Mar 8, 2022 · p.1 #1 · p.1 #1 · New B&H Payboo Card. Last month I had to close my PayBoo credit card issued by Synchrony Bank because the reason all you know, B&H is no longer accepting this CC. I am planning to do a large purchase of equipment but doing a Google search I just learn the reviews Comenity Bank has are terrifying, I am not sure if I should ... I have preorders in at a few places, but am considering trying with BandH as well. I'd like to use the payboo credit card for that. I have high enough credit to get it, but I have no idea what the starting credit line will be. The A1 is a 6500 dollar camera. What happens if say, they approve me for 5000.B&H has issued steeper discounts on Apple M1 and M2 MacBook Air models, with a bonus 10% back with the Payboo Card. B&H's Mac prices have plunged as the retailer issues last-minute holiday ...Alternatively, when an order qualifies for “Special Financing” offers (for example: “No interest if paid in full in 12 months”), customers can select a promotional credit plan instead of “Payboo Savings.” The new Payboo® Card, issued by Comenity Capital Bank, continues to be exclusively for use at B&H and replaces B&H’s prior ...B&H # ASFA507XVBS9 MFR # FA507XV-BS93. 6 Reviews. Key Features. 4.0 GHz AMD Ryzen 9 7940HS 8-Core CPU. 16GB DDR5 | 512GB M.2 NVMe PCIe SSD. 15.6" FHD 1920 x 1080 144 Hz IPS Display. NVIDIA GeForce RTX 4060 GPU (8GB GDDR6) Show More. $1,14900.When You Use Your B&H Payboo Credit Card . Save Instantly on qualifying purchases.‡ Savings appear at checkout right on your receipt.It's been a few years since Comenity popups consistently led to SP-only approvals (i.e. the Comenity SCT). Until a few DP are reported tied to Payboo preapproval popups that show otherwise the expectation should be that following through and applying would lead to a HP. 01-27-2022 04:44 PM.Dec 12, 2022 · B&H has issued steeper discounts on Apple M1 and M2 MacBook Air models, with a bonus 10% back with the Payboo Card. B&H's Mac prices have plunged as the retailer issues last-minute holiday ... Comenity bank is scam bank and will destroy your credit. July 20, 2023. Do not apply for any kind of credit card unless you know what bank is being used for the credit. Comenity bank is a scam bank and will continue to charge you so called ‘late fees’ long after you closed the account.Introducing the new B&H Payboo Card! Learn more: bhpho.to/payboo It's been a few years since Comenity popups consistently led to SP-only approvals (i.e. the Comenity SCT). Until a few DP are reported tied to Payboo preapproval popups that show otherwise the expectation should be that following through and applying would lead to a HP. 01-27-2022 04:44 PM.p.1 #1 · p.1 #1 · New B&H Payboo Card. Last month I had to close my PayBoo credit card issued by Synchrony Bank because the reason all you know, B&H is no longer accepting this CC. I am planning to do a large purchase of equipment but doing a Google search I just learn the reviews Comenity Bank has are terrifying, I am not sure if I should ...Introducing the B&H Payboo Credit Card - the first credit card designed to help you save the tax.*Learn more at http://bhpho.to/paybooJust shop at B&H In-Sto...
Payboo is not a MasterCard or Visa. It's a store card like those issued by Macy's or The Gap, etc. Those frequently have an APR in the same range. For example: Amazon.com Store Card or Amazon Prime Store Card accounts, standard variable purchase APR is *28.24%* Kohl's, Macy's, JC Penney, all in the 29% range Lord & Taylor is 28% TJMaxx 28% Game .... Land for sale in ohio under dollar5 000
Lenses. B&H Expert Video: Watch & Learn In Less Than 3 Mins. Intro to Lenses Portrait, Landscape, Macro & Tilt-Shift Lenses. Live Video Chat For More Info. Request Callback. Email. 800.606.6969. SLR Lenses. Mirrorless Lenses.It's been a few years since Comenity popups consistently led to SP-only approvals (i.e. the Comenity SCT). Until a few DP are reported tied to Payboo preapproval popups that show otherwise the expectation should be that following through and applying would lead to a HP. 01-27-2022 04:44 PM.Become a B&H Payboo Credit Cardholder today! Applying is easy and takes only a few minutes. If you're approved, you can begin enjoying all the benefits of your Payboo Credit Card today! Instant Savings On qualifying purchases when you use your card‡ or. Special Financing. 6 Months Promo Financing§ On purchases of $199 or moreComenity is known to give you shit credit limits as low as $100. You must pay the entire transactions on that card or no discount will be applied. So if you have only a $300 credit limit, you cannot use the tax discount on a $700 graphic card or a $400 CPU. Stick to your 1.5%-2% cash back on everything card if you have one.B&H # ASFA507XVBS9 MFR # FA507XV-BS93. 6 Reviews. Key Features. 4.0 GHz AMD Ryzen 9 7940HS 8-Core CPU. 16GB DDR5 | 512GB M.2 NVMe PCIe SSD. 15.6" FHD 1920 x 1080 144 Hz IPS Display. NVIDIA GeForce RTX 4060 GPU (8GB GDDR6) Show More. $1,14900. B&H payboo Credit Card Review This is a store card issued by Synchrony Bank. If you're wondering whether B&H payboo Credit Card is the right card for you, read on. Key Takeaways. High APRs. This is not a great card for people who carry a balance. Cookies are small data files that allow a website to collect and store data on your desktop computer, laptop or mobile device. Cookies help us to provide important features and functionality on our websites and mobile apps.When you make any taxable purchase at B&H with Payboo, you receive an immediate, instant reward equal to the sales tax you paid. And at B&H, instant means instant — no expiring points, credits, or coupons to worry about. It’s that simple. (Note: B&H will collect and remit state sales tax in accordance with state sales tax laws and regulations.) The first step is getting the right computer parts. The six essential parts you'll need for a working PC are the case, motherboard, processor, RAM, hard drive, and power supply unit. A computer case is an enclosure for all the other components. This chassis serves as housing for a PC's internal hardware. The motherboard is the core piece that ...Canon EOS Rebel T7 DSLR Camera with 18-55mm Lens. B&H # CAEDRT71855 MFR # 2727C002. 256 Reviews. Key Features. 24.1MP APS-C CMOS Sensor. DIGIC 4+ Image Processor. 3.0" 920k-Dot LCD Monitor. Full HD 1080/30p Video Recording.May 7, 2019 · In October of 2018, B&H Photo, as a result of the South Dakota vs. Wayfair Supreme Court decision, began collecting sales tax on interstate sales in 22 states. This put it at a disadvantage compared to some of its competitors. As a corrective, B&H is today implementing a give-back program for its customers called "Payboo." p.1 #1 · p.1 #1 · New B&H Payboo Card. Last month I had to close my PayBoo credit card issued by Synchrony Bank because the reason all you know, B&H is no longer accepting this CC. I am planning to do a large purchase of equipment but doing a Google search I just learn the reviews Comenity Bank has are terrifying, I am not sure if I should ....