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Best Buy Credit Card

Item: Best Buy Credit Card
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by Lynn



After getting my bills under control and my monthly payments whittled down, I decided it was time to purchase a laptop computer. I needed it now and didn’t have the cash but did have awesome credit so opened a Best Buy credit card. This was the stupidest thing I ever did.

If you decide to go against what I’m telling you; beware. They will try and get you to sign up for a debt cancellation fee. Now, my minimum payment, which is all I can afford to pay monthly now, is 21 dollars. They slap on this fee of 9.00 every month, and last month it was 18. Now usually when I run up a bill on my credit card I try and pay it off asap, but I just can’t right now with this. How in the world am I to pay off this thing with the 9.00 cancellation fee on there? The sad thing is is that I remember agreeing to this deal because I thought it sounded like a good idea. And what’s scary to me is that I’m probably going to have to pay for the deferred finance charges since there is no finance charge for like 3 years. My deferred finance charges are now up to $60.

Oh well. I’m only 27 and have never really used credit cards until now because I don’t believe in them; I’m just starting out on my own and am learning the ropes; I started college later in life so I am learning a lot of newer things others have already learned. This has just confirmed my belief that credit cards, especially a store credit card like what Best Buy has, are bad things. Not to mention interest on these babies are like 23%. Awful! Oh well. There’s no such thing as a free lunch. Luckily I only charged my laptop on there because I refuse to buy anything else with my cards, so I just have to deal with this and I’m done. Do not get a credit card! Especially do not get a Best Buy credit card; it is a rip off.

Rating: 4

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The review was published as it's written by reviewer in March, 2008. The reviewer certified that no compensation of any kind was received from the reviewed item producer, trademark owner or any other institution, related with the reviewed item. The site is not responsible for the mistakes made. 42803312940931/k2311a038/3.8.08

 
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