Let me begin by saying, I was a dumb 18 year old who wanted a computer. I shopped around a bit & found that Best Buy had the "best deal". They also had an almost too-easy-to-get credit card. My limit was approved for $2500. I got a computer, printer, monitor, etc., for $2300. (Do you know what you can get for $2300 today???) So my balance was abut $2300. Instead of taking the 6 month deferment I should have paid it all in full before the 6 months was up. Admittedly, I was an idiot. I asked what a "revolving credit" line meant. "OH, it's a really cool thing to have!" Said the cashier. And, like a fool, I had no more questions. I HAD A COMPUTER!

Well, I have been paying on time every month for 5 years now (a fact which they'll dispute), and guess what my balance is? $2800. I've tried paying $100 over my minimum balance of $50. It makes a slight dent. See, your payment IS the finance charge. THAT'S WHAT THEY MEANT BY REVOLVING CREDIT ACCOUNT. You never get anywhere & you'll ALWAYS owe them money. This is where it gets kind of strange. My bill was DUE on the 13th:

1. I would send in checks on the 1st. There's NO WAY they didn't get there before the 13th. YET, Best Buy would HOLD them until the 15th & charge me a $50 late charge, ontop of my regular $50 payment. So I thought, "Oh, yeah? I'll beat them at their little game."

2. I started sending them checks on the 27th, so they couldn't say I wasn't paying on time. Those crafty b@$t@rd$ would count that as the PREVIOUS month's payment, and say I was late on my CURRENT month's payment. Are you following me here? Who makes 2 $100 payments in one month & then skips the next month?

3. Now, every time they "deem" your account "late", they get to raise your interest rate. Mine is currently 26.99%. I sat down & figured out how long it would take for me to pay this company off, if I sent them $250 a month, every month. 2 1/2 YEARS. That's $7500, ontop of the last 5 year's money.

This computer I have is a POS. I hate it. But I can't afford another one. I have decided the only thing I can do is just "shine" them until they turn me over to collections. I cannot continue playing their sadistic games. It IS my fault I got involved with this company, but NO computer is worth over $10,000. At this point, I don't care that my credit is tarnished. I used to have perfect credit before this nightmare.

I know Best Buy isn't the ONLY company guilty of this sort of scam. But there are websites out there that show I'm not the only one who hates this company. Please visit these sites. I'm sure if I didn't convince you, you'll think twice about their "wonderful" credit card or buying from their store:

www.bestbye.com

www.bestbuysux.org

www.bestbuy-s.com




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