topic Re: Best Buy Credit Card-- Can They do this? in Credit Cards

Best Buy Credit Card-- Can They do this?

Anonymous — Wed, 10 Oct 2007 01:35:17 GMT

Got approved for a Best Buy MC about 2 months ago. Never activated the card or used it, called the customer service number when we got the card and told them that we didn't want the card and would not pay an annual fee for a card I only had for 2 months and never used. So, they sent a bill today for $80 for a late payment fee, past payment due and the new payment. Can I be charged for this and I never used or activated this card?

Eve

Re: Best Buy Credit Card-- Can They do this?

Anonymous — Wed, 10 Oct 2007 01:39:30 GMT

myhearts07 wrote:

Got approved for a Best Buy MC about 2 months ago. Never activated the card or used it, called the customer service number when we got the card and told them that we didn't want the card and would not pay an annual fee for a card I only had for 2 months and never used. So, they sent a bill today for $80 for a late payment fee, past payment due and the new payment. Can I be charged for this and I never used or activated this card?

Eve

I would definitely call first and speak witha sup. Advise that you called to cancel the card upon receipt and the card should never have been billed. Go further to say that you also never activated the card. Don't say you told them you did not wan the card, tell them that you wanted it closed.

Re: Best Buy Credit Card-- Can They do this?

Anonymous — Wed, 10 Oct 2007 01:42:12 GMT

Thanks, Brammy, I will call them tomorrow. These CC companies are nuts.

Re: Best Buy Credit Card-- Can They do this?

John060675 — Wed, 10 Oct 2007 02:01:23 GMT

No, they are not nuts. They are just slime balls (some of them). They are just trying to get $$$ from you, with the hopes you will pay them the $80. They know they hold your credit score in their hands. Good luck.

Re: Best Buy Credit Card-- Can They do this?

illcrew3 — Wed, 10 Oct 2007 18:42:38 GMT

I never had to pay a fee for my bestbuy card......

Re: Best Buy Credit Card-- Can They do this?

Anonymous — Wed, 10 Oct 2007 19:30:26 GMT

What happened after your next call to the supervisor? Try first to get them to remove from CR, if not report as $0 bal.

Message Edited by ilovepizza on 10-10-2007 12:30 PM

Re: Best Buy Credit Card-- Can They do this?

Anonymous — Wed, 10 Oct 2007 22:11:42 GMT

@John060675 wrote:
No, they are not nuts. They are just slime balls (some of them). They are just trying to get $$$ from you, with the hopes you will pay them the $80. They know they hold your credit score in their hands. Good luck.

Umm, Yes actually they absolutely CAN do this. Activating a card is nothing more than saying that you got the card. Once you are approved the account is open. Not activating the card doesn't close the account and doesn't stop it from being opened.

If I were you I'd pay them whatever money they want before a 30 day late shows up on your credit report. THEN try to fight them for a refund if you so choose.

Re: Best Buy Credit Card-- Can They do this?

Anonymous — Wed, 10 Oct 2007 22:41:56 GMT

@Anonymous wrote:

@John060675 wrote:
No, they are not nuts. They are just slime balls (some of them). They are just trying to get $$$ from you, with the hopes you will pay them the $80. They know they hold your credit score in their hands. Good luck.

Umm, Yes actually they absolutely CAN do this. Activating a card is nothing more than saying that you got the card. Once you are approved the account is open. Not activating the card doesn't close the account and doesn't stop it from being opened.

If I were you I'd pay them whatever money they want before a 30 day late shows up on your credit report. THEN try to fight them for a refund if you so choose.

Uh, yes this sucks. but the same happened to me. I apped. on a stupid trance to HSBC sub prime card- never activated it cuz when I got it I finally brightenend up and read that it had a 59 ann fee. Wouldn't activate it and they hounded me by calling- they didn't charge me and I fussed and fussed but the cut the fee in half and then got rid of it all together.

That is when I found out- if you app for the card and GET IT- you have just entered the agreement w/ them.

I was lucky enough to not have activated it- and not lucky to have them charge the fee until I activated it, and lucky to have it waived- but I just tried to have it closed and they finally raised the measly limit. I am def. closing it in Feb.

Re: Best Buy Credit Card-- Can They do this?

Anonymous — Thu, 11 Oct 2007 11:19:19 GMT

I would look into this further. It completely goes against basic contract law, and in your favor. Your fee is paying for the annual use of the card, I suspect. No use, no fee. I would fight this one with a vigor.

Re: Best Buy Credit Card-- Can They do this?

Anonymous — Thu, 11 Oct 2007 12:50:35 GMT

Missa wrote:
I would look into this further. It completely goes against basic contract law, and in your favor. Your fee is paying for the annual use of the card, I suspect. No use, no fee. I would fight this one with a vigor.

Really? Wish I had my initial paperwork they sent so I could read it...hmm. would be good to know for future- however basically I will never app again for a card I don't need.

Re: Best Buy Credit Card-- Can They do this?

Anonymous — Thu, 11 Oct 2007 14:16:17 GMT

@Anonymous wrote:
I would look into this further. It completely goes against basic contract law, and in your favor. Your fee is paying for the annual use of the card, I suspect. No use, no fee. I would fight this one with a vigor.

Good point. It was not an application fee but an annual fee.

Re: Best Buy Credit Card-- Can They do this?

Anonymous — Thu, 11 Oct 2007 14:23:35 GMT

My credit one credit card states in the agreement that if you decide that you don't want it, you must call within 30 days of activating it and have not made any purchases on it. However, I did have to call to activate it. It did not arrive already activated.

Re: Best Buy Credit Card-- Can They do this?

Anonymous — Thu, 11 Oct 2007 15:40:50 GMT

Try saying
"I can not agree to the terms of this agreement"

Message Edited by Timothy on 10-11-2007 08:40 AM

Re: Best Buy Credit Card-- Can They do this?

Anonymous — Thu, 11 Oct 2007 15:55:37 GMT

@Anonymous wrote:
I would look into this further. It completely goes against basic contract law, and in your favor. Your fee is paying for the annual use of the card, I suspect. No use, no fee. I would fight this one with a vigor.

HUH? Who ever said you had to USE a credit card to actually have it OPEN? Learn more about the credit industry before trying to give OP false hope.