I have been trying to re establish my credit. I decided to get a 400.00 MC with HSBS, a Best Buy Rewardzone Mastercard. I have been using it for almost a year. I charge normally small amounts, like gas or groceries, then pay it off mostly or in full when I'm paid each month on the 15th. I work full commision so I get a small draw check at the end of the month and the big check on the 15th. I also set up an auto pay to pay 50.00 a month, instead of the minimum 15.00 required by the 15th. Then depending on how much I charged I would also go online and do a "1 time payment" to cover anything over the 50.00 that was already set to autopay. I set it up to pay after I know my check on the 15th has cleared, so the 17th of the month it processes. In my thought process, considering I also do the 1 time payments, I'm paying the payment over 3 weeks early each month. When I call customer service, wait on hold usually 20 minutes, once almost 1 hour, the customer service reps have on 2 different occasions argued with me that it is my fault. I finally spoke to a manager who corrected the 6 15.00 late charges that were on my account. Today I decided to pay the remaining balance and close the account. I recently got a new card from my bank with a larger limit, and 0% for 6 months. I figured I no longer need the 400.00 limit card and the headaches involved with their customer service. When I called to cancel, I was of course forwarded to a "manager" who wanted to talk me out of closing the account. He asked me why I wanted to. When I explained the above, he then proceeded to tell me it was me who made the mistakes and they were doing me a favor by crediting the late fees. I tried to explain once again that I had been paying not only over 3x the min amount due, but also other payments in between to compensate for my usage. He very sarcastically (I guess thats the training they get there, everyone I disagreed with would in return talk to me like I was a moron) told me It was my mistake. So I told him to cancel the card, that I would let anyone I know what a bunch of creeps they are, 15.00 late fees maybe to get some money from me because I pay extra to not keep a balance they can profit off of, I dont know. Get a card from your local bank, dont mess with these guys. Most of the customer service must be out sourced, maybe thats why they dont care as much how they treat you, I mean who are you going to complain to right?