When to use has, had and have?

The difference is in terms of tense and subject.

First, you have to make sure that you understand the tense that you are using. For example; If
you use has alone it is referring to the "third person" and saying that that person possesses
something. 
(She has a beautiful car.)

When we use have we are either talking about ourselves or the general idea of possessing
something 
(I have a great husband. It would be nice to have a bigger house ).

Had on the other hand is referring to something that was possessed in the past...but not now. 
(I had a good job...but now I don't ).

Generally speaking the only difference is the time frame or tense that you need to use and
also who is being referred to.