HSBC CREDIT CARD SERVICES OPENED AN ACCOUNT FOR ME IN dEC 2008. I PURCHASED A LAPTOP FORM BEST BUY UPON OPENING THE ACCOUNT. I DID NOT RECIEVE MY MAIL WITH MY CARD AND ACCOUNT INFORMATION IN TIME TO MAKE A PAYMENT. SO MY 1ST PAYMENT WAS 30 DYS LATE. I CALLED HSBC AND TOLD THEM WHAT HAPPENED AND THEY SAID NO PROBLEM THEY WOULD GIVE ME A CREDIT AND THAT WAS IT. I'VE BEEN PAYING ON MY ACCOUNT BUT NOTICED ONLINE IN MY ACCOUNT I DID NOT HAVE ANY AVAILABLE BALANCE. I CALLED THE BEST BUY CARD SERVICES TO ASK WHY IS THIS. THEY INFORMED ME THAT MY... read full review »