Bust Buy HBSC Complaint - Best Buy HBSC Promotion
I purchased items from Best Buy and used their promotion of no interest for 18 months. I have made the minimum payment and more each month. I made my November payment a week early. My dad died 11/22, so I made my December payment 11/24, which is after my November due date, but before my December due date. HSBC charged me a $25.00 late fee because I paid my payment early. I wrote and explained that I HAD indeed made the December payment, in fact I had paid $210.00 over 3 months, which was more than the $90 they had required. They wrote back that they will NOT refund the $25.00, they Are charging me interest for that money and they Are telling the credit bureaus that I missed a payment. I learned from previous experience with these people NOT to try to make double payments. They won't give you credit for the second payment.
So I made the payment AFTER the close of my November payment, but it didn't matter to them. I tried to be responsible and not miss a payment, due to the grief in my family, but they screwed me anyway. My advice to anyone is to use your own credit card or cash. Dealing with them is like getting caught in a spider web.