Best Buy Credit Card (Household Bank)

Pros: Interest-free payments for up to 2 years.
Cons: Billing dates and website seem to be conspiring to "trick" the consumer into making mistakes.

The Best Buy Credit Card is best known for one phrase--”interest-free payments.” They currently offer four different types of interest-free payments: - 2 years interest free on “qualifying purchases.” - 1 year ...

Pros: Fantastic promotional credit options.
Cons: Interest is outrageous if you don't pay it off in time.

Usually, when there's SO many epinions written on something (in this case - 20), I don't bother to add my two cents. Looking through those reviews, most of them were written in 2000 and since then, so many things have changed about the Best Buy...

Pros: Detailed statements, easy to use website, access to lots of no interest financing promotions
Cons: High fees, no grace period

Somehow a number of store credit cards have found their way into my wallet. I don’t use most of them, either because I don’t shop in these stores as much as the people who invented their “20% off your first purchase with this credit ...

Pros: Great benefits on the face
Cons: The card can be a financial trap waiting to happen

Best Buy is the only electronic store in the area for me that offers their own credit card, and I thought it would be a real advantage to have the benefits that their card offers so I could get some items that I always wanted. I applied for one a couple...

Pros: Convenient, allows you to have your items now and pay later.
Cons: Its still a bill

I say watch out because the store is so great, and their credit terms on some of their items are so appealing you may want to buy one of everything in the store.

I really love shopping at Best Buy!
I don't know if its the spacious well...

Pros: NONE
Cons: everything about this card is abhorrent....please don't make my mistake!

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...

Pros: 90 same as cash, optional differed payments
Cons: Interest will get you if you don't pay off the balance on time

Compared to other credit cards the interest rate on the Best Buy card is really good provided you pay the amount due before your 90 day "same-as-cash" period runs out. Basically, if you purchase a product with the card and pay it off in the 90...

Pros: Easy to get a card, deferred interest, excellent customer service
Cons: High interest rate, not for those who are lazy about paying off a card

Best Buy is a major electronics/appliance store located in numerous states in the U.S. (400+ stores in 41 states). Its store card is managed by Household Bank (HRS), which took over the card accounts sometime in the last two or three years. Before that...

Pros: 90 days no interest on regular sales, promotional offers usually give you over 1 yr no finance charges. And they cover up for their card companies mistakes!
Cons: HRS has the WORST computer systems in the eastern US. WATCH YOUR BILLS EACH MONTH.

Best Buy is my favorite store to shop at in the world. I cannot drive by without stopping in. I can't just walk through the store for a few minutes. I must go in and just stand there in awe each time I visit. And their ads, sales, and other...

Pros: great same-as-cash financing deals, good promotions, responsive customer service
Cons: still a department store credit card with astronomical interest rates

The Best Buy card is a very good credit card to carry, as long as you are careful. Best Buy offers outstanding financing options, ranging from 90 days = same as cash, to deferments of 12, 18, and 24 months. But, like any other same as cash promotions,...

Pros: No interest over long periods of time
Cons: Terrible customer service, payment processing, VERY high late/deferred interest fees

I have been lured in twice by the "Same as cash" financing offered by Best Buy, the electronic superstore. The offers are good, but one mistake or time lapse on your part and you will suffer immense consequences.

My wife and I...

Pros: cons...umm... its nice looking..
Cons: they tried to charge for something I paid off 3 yrs ago, took months to get them to straighten it out

In 97 I bought my first computer from Best Buy. I don't know who there credit card company was at that time but all went well. I got a card, I paid for most of the balance and my parents paid for the rest. Now that was the nice thing.

Now...

Pros: Great financing deals and instant approval
Cons: Poor payment arrangements, HSBC tries to get the most of your money!

I am a Customer Service Representative for Best Buy. I do work for the store, not for HSBC. However I can tell you my opinion. As part of my job I process Credit Card Applications for customers. I often have to deal with HSBC myself. HSBC ...

Pros: They control spending by "holding" a customers available credit.
Cons: High blood pressure and increased anxiety. Insane interest rate.

I recently attempted to purchase a product from BestBuy.com. The transaction went through so I thought all was well. Unfortunately, an hour after placing the order, I received an email explaining that the item was not in stock at the store that I had ...

Pros: deferred financing payments for many items
Cons: deferred financing is a complete joke because they will get you when you try to pay it off anyway they can. WHAT A JOKE!!!!!!!

I have (had!!!) a perfect credit history. Therefore, upon purchasing a 61 inch television, I applied for the card for deferred financing. Everything was great until the promotional period was coming to a close. I sent in a check for the remaining...