Hi Susan, The correct use depends on whether the speaker is speaking in "PRESENT TENSE" or "PAST TENSE". (HE HAS or SHE HAS) is PRESENT tense. Example: HE HAS $100 to spend when he goes to the market. (HE HAD or SHE HAD) is PAST tense. Example: HE HAD $100 before he went to the market. He spent $25, and now HE HAS $75. I hope that makes sense!

both of thm are correct. the change is in time conjunctions. has is present perfect and had is past pefect