Never use 'BEST BUY" credit cards alias HSBC collection. I purchased over three thousand dollars for a new computer, editing software, portable drive, wireless mouse and keyboard all at once. The clerk said I could get an additional 10% off if I opened a Best Buy Business account which I did. After waiting two months for the editing software to be shipped I was forced to go to My local Apple store and pay full retail. I canceled the order for the software and paid off the entire balance due, with the exception of the undelivered software which was now canceled.
Long story short HSBC Demanded I pay the $280 for the software even though they never delivered it. After monthly billings with compounding interest and HSBC destroying my credit rating they finally "wrote me off"
as unpaid. Now my credit is in limbo for the next 5 years according to their letter. And people wonder who destroyed the credit market.