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Best Buy Card
Issued by Household Bank |
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| Total Posts: 100 |
Average Rating:
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Category: Retail |
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Showing 1 - 10 of a total of 100 Commentaries |
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1-10 | 11-20 | 21-30 | 31-40 | 41-50 | 51-60 | 61-70 | 71-80 | 81-90 | 91-100 |
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| "Debt cancelation - fraudulent name" |
| My first language is Spanish not English and when I noticed charges under "debt cancelation" I understood that was the amount my debt was going down, not realized I had this extra service I do not how the hell went to my bill. This is a fraudulent name. Now I realized I am calling the number but because I am in California have to wait for tomorrow, will sleep helling at this. |
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| Most attractive feature: Nothing. |
| Least attractive feature: Debt cancelation - fraudulent name of service |
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| Posted by: Ricardo |
| Date: 2/17/2010 |
Recommend?  |
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This person does not recommend this card.
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| "Due Diligence" |
| Okay, I'll admit I was a bit miffed when I saw the Debt Cancellation charge on my first bill, as the person who signed me up for the card at the store told me nothing about it. But, my experience canceling the service was quick and easy. I called, selected the menu option for canceling that service, gave my account number, and had a nice, brief chat with the girl on the other end regarding the service, the weather in India, recommended sights over there...and of course she had to read from her script on the benefits of keeping the service, I mean I get it; that's her job. But I politely declined and she took care of canceling it right away, and since I'm within the initial trial period the first charge will be refunded. Whole thing took maybe five minutes. |
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| Most attractive feature: No interest for six months on my TV. |
| Least attractive feature: Debt Cancellation service did get snuck in there. |
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| Posted by: Tim |
| Date: 1/7/2010 |
Recommend?  |
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This person does recommend this card.
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| "Debt Cancellation" |
After doing the math, I found out the debt cancellation fee is nothing more than a 10% APR applied to the balance.
Meanwhile, the balance ALSO accrues the card's listed APR.....initially 21%, now 25%.
As long as you pay off before the expiration date, you don't have to pay the deferred interest.
Seemed fair until I tried to pay off a big chunk of the balance with 8 days left on the "deferred interest" perk.
THEY CONVENIENTLY DIDN'T APPLY MY PAYMENT UNTIL AFTER THE PROMOTION EXPIRED.........JERKS!
Funny how all my other payments posted within 2 days.
NOW I HAVE $245 EXTRA TO PAY OFF!
Also, one time, I paid my bill over the phone because I was having problems logging into my account.
They charged me $35 for this, and they didn't warn me beforehand.......ridiculous!
I will never use a credit card again.
DISCOVER arbitrarily raised my APR from 13% to 23%.
Never missed a payment in my entire life on ANYTHING.
I become more disgusted with business and the financial industry as I get older.
They are so greedy and deceptive.
I read the Best Buy credit card agreement before signing and I never remember reading any HONEST description about what debt cancellation was.
Credit card companies get away with this stuff because they can.
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| Most attractive feature: Pay your bill as frequently as you want....not limited to one payment per month. |
| Least attractive feature: ridiculous fees |
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| Posted by: Andy |
| Date: 11/28/2009 |
| Recommend? |
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This person does not recommend this card.
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| "Debt Cancellation Fee" |
| HSBC has hit me with $19.97 each & every month for more than 2 years now; I didn't understand this fee until just recently & am quite mad about it. I called 1-800-365-6256, the number listed on the bill on the same line as "Debt Cancellation" & immediately asked the person on the other end to put me through to a supervisor. The same person came back on the phone twice to ask me if there was something he could do for me, & I again told him to put me through to a supervisor. A similar-sounding person (very broken English of an obvious East Indian decent) came on the phone & refused to speak with me when I informed him this was a conference call with the DA's Office & 2 local TV stations....he hung up on me. I will call again & will post the result later. Once this is done, never will I deal with any store backed by HSBC again. |
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| Most attractive feature: Buy a last-minute item in a pinch, as with any other store card. |
| Least attractive feature: HSBC customer service rude & completely non-accommodating to it's card holders. |
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| Posted by: Dawn |
| Date: 11/17/2009 |
| Recommend? |
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This person does not recommend this card.
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| "debt cancellation" |
| government or someone should step in and stop this bull |
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| Most attractive feature: nothing |
| Least attractive feature: everyting |
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| Posted by: harvey |
| Date: 10/27/2009 |
| Recommend? |
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This person does not recommend this card.
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| "Worst Buy" |
| Got nailed by the Debt Cancellation Fee as well. Also, when I called in to pay off my balance and close my account I was charged $15. Will never do business with Best Buy, HSBS, or Household Bank again. |
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| Most attractive feature: None |
| Least attractive feature: Debt Cancellation Fee |
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| Posted by: Fred |
| Date: 9/8/2009 |
| Recommend? |
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This person does not recommend this card.
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| "Best Buy/HSBC Card DEBT CANCELLATION" |
| Got suckered in at Best Buy for HSBC's 14 months no payment no interest and Bam! i was stuck paying a DEBT Cacellation for a whole year which i didnt even know about or that I signed up for. Best Buy pocketed $200 of my hard earned money. CompUSA/TigerDirect is where Im gonna buy my toys now. |
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| Most attractive feature: None |
| Least attractive feature: Hidden charges for example DEBT CANCELLATION!!! |
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| Posted by: Louie |
| Date: 7/14/2009 |
| Recommend? |
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This person does not recommend this card.
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| "debt cancellation" |
| It took me 15 minutes to get credit on dept cancellation charges.hsbc don't like words "district attorney" and "media". |
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| Most attractive feature: none |
| Least attractive feature: debt cancellation |
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| Posted by: marko |
| Date: 6/23/2009 |
| Recommend? |
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This person does not recommend this card.
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| "DO NOT BUY ANYTHING FROM BEST BUY!!!" |
| So after months of paying on my best buy card, I started coming to the conclusion that we as a whole get screwed over by these people!!! I started looking at my statements closer and realized I was getting charged for debt cancellation. I didn't realize this, and DO NOT remember anything about it, and it upsets me. So I call best buy and I put them on speaker phone so I can hear them better and they are having a birthday party in the office!!! So not only could I not understand the person who could not speak English very well, I had to hear his co-workers having fun in the background! I asked him to shut them up and it got a little quieter. But all in all, I have to call the debt cancellation people. Best buy does not deal with anything that I am coming to find out! They always tell you to ask someone else!!! So DO NOT buy anything from them, the customer service sucks, and they charge you for crap you did not know anything about!!! |
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| Most attractive feature: Nothing.... |
| Least attractive feature: Rip off because they sign you up for something you end up getting screwed on!!! |
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| Posted by: Hali |
| Date: 6/18/2009 |
| Recommend? |
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This person does not recommend this card.
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| "Debt Cancellation charges on accout" |
| I hadn't had time to call on the debt cancellation charges on my account until last week. I had noticed them for a while. They told me that i had signed something and i asked how small the print was. she asked me to hold and came back on and said that they would cancel the policy as well as refund all previous debt cancellation charges. i received a letter in the mail today from HSBC stating that they were canceling as per my request. It did not however state that they would credit back my account for the previous charges. Hope they keep their word. I did ask and received the 1st name of the rep. this letter i received has no one's name listed - just signed customer service. 800-365-0292. i think that i had the benefit of calling after many others had done so. i asked them to fax me what i had signed and she said, "ma'am there is no need for us to do anything further as we are canceling the policy and crediting you back any previous charges. so i let it go |
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| Most attractive feature: zero interest same as cash over a period of 18 mos + |
| Least attractive feature: late charges are steep
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| Posted by: Bonna |
| Date: 6/15/2009 |
| Recommend? |
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This person does recommend this card.
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Showing 1 - 10 of a total of 100 Commentaries
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1-10 | 11-20 | 21-30 | 31-40 | 41-50 | 51-60 | 61-70 | 71-80 | 81-90 | 91-100
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