WARNING - NEVER USE BEST BUY HSBC CREDIT CARD!!! In October, I purchased a television at Best Buy using their 3 year no interest credit card. I have been paying considerably more than the minimum payment, because I didn't want to pay interest. Today, I received a bill from them with a $39 late fee on it. They posted the payment one week after I mailed the payment. I find it hard to believe that they didn't receive the payment before then, since we don't deliver mail on ponies anymore!!! I called HSBC and they best they could do was take half of the late payment off! I then spoke to a supervisor and she told me the same thing, that there was nothing more they could do. I know that ANY bank can take ANY fee off of an account. To tell you they can't is a lie!! I was also charged interest on the late fee! I called Best Buy and, even though it is their credit card, they can't do anything either. I will be paying off the full amount and will NEVER SHOP WITH BEST BUY AGAIN!! I guess it doesn't pay to be a responsible consumer and try to avoid interest charges - the bank doesn't care if they get your business, because you're not paying them anything!