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"charging interest within what was the free period if existing terms and conditions were met, would be unconscionable and indefensible."
Re: the Best Buy Bait-and-switch
Well, I spoke to four different representatives today, and that's exactly what they are proposing to do. If you don't like it, there is an address you can write to (I suggest sending several copies, at least one of them return receipt requested). Apparently there is more than one letter floating about, as two of the reps I spoke to said "oh, you have one of 'those' letters". Could it be that only those with long repayment periods got "those" letters?
If I don't like the idea that my "two years at no interest" card is switching to "pay in full within 23 days of the billing date" I have the option of sticking to my old arrangements by registering a protest by mail. But I will not be allowed to use my Best Buy card. Fine. I have always paid well over the minimum payment, and well in advance of the due date. They can put their card where the sun don't shine...
@Anonymous wrote:
I had to pick myself up off the floor! I called to recon and ask for an explanation. The rep was nice, but said "it's the economy" and stuck by the $300 limit. I asked her to listen... fed the card into the shredder (mine is really loud) , then asked if she knew that sound? She said "Yes sir. I've cancelled the account and you will not be responsible for the annual fee. I'm sorry. Please feel free to appy again in the future."
Really? You couldn't just say, 'I don't want a card with a low limit and an annual fee, can you please close the card at my rquest?'
You had to mak her listen to you shredding the card? Why? It's not her fault that HSBC gave youa a low limit CL and AF? She was nice, you said so yourself, why couldn't you be as well?
HSBC/BestBuy Card charged me interest within my no interest fee period. This is how they did it. I was led to believe as long as I paid out the balance prior to the no fee interest deadline, NO interest fees would be charged. I was in the habit of paying a much higher amount than my minimun fee, so when the bill would come the due amount would read $0.00 amount due. One month I was sick and did not pay or I paid after the due date because nothing was due, but they told me that they had a right to add interest if I didn't pay anything even if nothing was due. How wrong is that? Has that happened to anyone else>
@Anonymous wrote:HSBC/BestBuy Card charged me interest within my no interest fee period. This is how they did it. I was led to believe as long as I paid out the balance prior to the no fee interest deadline, NO interest fees would be charged. I was in the habit of paying a much higher amount than my minimun fee, so when the bill would come the due amount would read $0.00 amount due. One month I was sick and did not pay or I paid after the due date because nothing was due, but they told me that they had a right to add interest if I didn't pay anything even if nothing was due. How wrong is that? Has that happened to anyone else>
i know this is a dead thread and one single post brought it back but how do you have nothing due if there is a balance?
if you didnt pay once in the statement it says right in the deal you will be charged back interest and the late fee.
the 0 interest is included in your regular min payment.... so if there is a balance its always included.
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