HSBC, Retail Services, Superstores Of America is by far the worst institution you can borrow money from. They charge you outrageous fee's every opportunity they get. To use their payment by phone, you must pay a $15 transaction fee. To pay your bill online you are required to be subjected to their permanent drip campaigns. The physical bill to your home is in a plain envelope not clear as to who it's from (which appears to be a tactic to make you default on your payment, resulting in you owing interest on entire purchase amount). This company is extremely shady and I'm fortunate to almost be done with them. Ironically they have the nerve to try and up-sale you many services while they treat their customers poorly.