02-17-2012 10:28 AM
What you don't understand is that, in all honesty, HSBC only cares about your money. They rely on mistakes such as this to make up for the costs of providing free credit to those that fulfill their duties relating to payment of the promotional offer. Therefore, they only do what they have to based on law.. no more, no less. It'd be a kind gesture for them to do that, but until the law requires it, I wouldn't count on it.
02-19-2012 07:36 PM
Thanks for understanding and for your honesty. I know I let my frustration get the best of me but sometimes its best not to let it all out. I'm still sick to the stomach just thinking about it.
I think their should be a new system implemented on how to send a flag through email or even voicemail and customers should be contacted.
I know how important customer service plays in the business world. Keeping the customer in mind should always top priority.
I'm not saying to email everyone when they don’t pay the full balance, atleast when they are this close, a courtesy call would be greatly appreciated.
No question in my mind their should be a courtesy call inquiring if they would like to pay
the remainder over the phone. That really exemplifies service hospitality. I know alot of loyal customers who have been victim to the differed interest charge would agree.
Even adding some color like red on the statment deferred interest column will help us customers notice it better.
I don't usually agree with BBY fanboys but in this case I must. As previously posted the statements you received clearly spell out just how to much to pay and when to pay to avoid any unwanted additional charges. I worked for a company similar to BBY and it is totally unreasonable to ask then to place a "courtesy" call to the MILLIONS of customers in situations similar to yours. As to the e-mail or text alert though that does sound like something BBY could do as I have seen it done with my Verizon wireless account texting me with warnings that I was about to go over my Talk Minutes. The red letter thing sounds a bit wack as well but it is food for thought. I do feel your pain. I have had to deal with new additions to the family as well and it is a stressful time.
02-28-2012 02:50 PM
I apologize for the delay in responding to your post. With all that has been happening recently for you and your family, I can certainly understand that an extra $1800 added to your credit card bill would be a bit much to take in.
When a purchase is made with one of our interest free financing plans, the interest is only free if at least the minimum monthly payments are made each month, and the full balance of the purchase is paid by the plan’s expiration date. These terms are indicated on the purchase receipt as well as each of the billing statements sent by HSBC.
Unfortunately, as our cards are issued through HSBC, we do not have direct access to or influence over their accounts or procedures. I can forward your request to have the deferred interest removed from your account, but I cannot guarantee this will be done. As you did mention moving recently, prior to contacting HSBC, I would like to ensure that the information we have on file for you is accurate to provide to them. If you could send me the name, phone number and address as listed on your account via private message using the link in my signature below, it would be appreciated.
05-05-2012 03:55 PM
This topic has been moved to its own thread under the board Best Buy and Geek Squad Policies for further review