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wills woes
March 31, 2010
Late Fee Charges
I purchased a Television in December of 09 and opened a credit card thru Best Buy at the time of purchase with a 0% interest if paid in full within 36 months. The minimum payments have been around $15 per month and in Januarary I paid $129 . Then my next bill was due Feb 28th and I paid the bill online on March 1st ( one day late), then my March bill was due sunday March 28th so I paid it online on Monday March 29th. When I went online March 29th I noticed 2 late charges of $39 each for the Feb payment and the current March payment. One day late on 2 payments and $78 is telling me that HSBC is trying to make money off me becuase they offered the 0% interest for 3 years, not my fault. Most credit cards and lenders offer a "grace" period, but this sorry, worthless, greedy, terrible company apparently does not. I have called them and emailed them about this and they are not willing to budge. If you are thinking about getting a HSBC card I would strongly suggest you look at other cards if available. Once my card is paid off I am canceling it and cutting it up and never using HSBC again!!!
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zomebielion
May 15, 2009
late payment/intrest lies
Well, i'm writing this in hopes of detering anyone from getting a credit card from these jackals. i got a card from them in feb. with a credit line of 1000 u.s.d$. i intended to only make a few small charges here and there, never to go over 200$. well, while i was there they informed me that if i didnt spend over 500$ i wouldn't get 0 financing for 12 months. so ended up choosing the "approved items" for 0 percent financing for 12 months and actually went to 550$. so i figured everything would be smooth sailing from here. as time went by some unforeseen car trouble came about and i decided to pay the minimum for the first two months, on top of that i always paid online 1 or 2 weeks in advance. sadly, i just got a letter from HSBC saying i had late payments, so it jumped my balance over about 100$. to make matters worse, it claimed that the interest would take effect in august. i'm not a mathmatician, but thats only 6 months. i'm going to do my best to get rid of this plague, and talking with those fools is like talking to a wall. not only do they not care... but i can't even understand them, that is when they're making sense, which is hardly ever. don't get suckered like me, get a personal loan from a bank... anything but them. i really hope they end up like circut city. what goes around comes around douche bags!!!
p.s.- if the company is reading this... let me know of you want my soul too. hah
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bumpman
April 20, 2009
change to my avail balance
I have (or had) a best buy HSBC credit card. I never made a late payment and or ever missed a payment. I had a 3500. available credit line. Last week I paid off in full my small balance on the card. Today i went into best buy to purchase a new lcd tv. My credit card was denied, while i was in the store i called HSBC. They stated that after i paid off my balance They reviewed my credit and dropped my available balance to $350. this was done without any knoweledge of my own. I told them to close the account and they "Best buy" just lost a customer. These banks are running rapid with no accountabilty. All on our tax payer money..needless to say our government failed.
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