Best Buy / credit (household bank)

The HSBC bank who handles best buys credit cards are the devil. However, any no interest period at best buy, is the same exact at every other store. If you don't pay the entire balance by the end date, you owe all the interest that would have accrued. If you are late on a payments, same thing. It doesn't matter if you are late paying $ .10 they will charge all the interest. This is the same for every single store out there. However something should be mentioned regarding inconsistencies in the charges. HSBC loves to throw extra fees on their bills, that they say they are not going to charge you. I had HSBC remove charges, only to find they put them back on the next months bill. So I call again, "oh sorry sir, we'll take care of that for you right away". Next month... back on the bill. This went on for five months, so I didn't pay a dime. They sent to collections, and it only got harder to justify my unwillingness to pay. Six collections agencies and 1 lawyer later, i finally declared I will not pay any of this bill and the collection agency finally took it as a loss, and i got a $700 oven for free.