Despite having perfect credit, and a 840 fico score, i keep getting ding letters from comenity for the payboo card.They keep telling me that my credit file is frozen and i need to apply again in a month.I have never used b&h but i am attempting to buy a laptop from there and saw their no interest for 12 months with their credit card.However, is it still worth getting this card if i know i probably will not be …