Needing over $2, 500 in electronics I researched the 18mos interest-free Best Buy account offer. I was told that if I opened a Best Buy account I would have 18 mos interest-free to pay off my purchase. I filled out the application in-store. At no point was I ever informed that I was NOT opening a line of credit with Best-Buy, or I NEVER would have opened the account. I was opening an account with HSBC Retail Services that has limited banking hours only avail by phone. I wanted to pay off the balance in person using my savings account which I do not have an online account for. I went to my Best Buy store customer service to make a large payment on a Friday with the due date that following Monday only to learn that I could NOT make a payment in person. I was told to call Customer Service, which I did from the store. They informed me that I could drive 2 hrs round-trip to another city and make a payment in person, which I did, only to find a machine that the employees did not know how to use that charged $2-5 to accept only CASH payments. So I used the $27 I had on me to make a $25 payment. I called Customer Service on Monday to make sure my payment was rec'd to be told it would take 3 days to process and I'd be charged a $40 late fee.

I never would have opened an account with a bank that I had no physical access to and limited phone access. I thought and was made to believe I was opening a line of credit with Best Buy, but this was NOT the case at all. There is no such thing as a Best Buy line of credit. I do NOT appreciate the misrepresentation.