Welcome to Best Buy Credit

This post is a bit more. Let us give you some background.

I got a Best Buy Credit card, because I actually like Best Buy. I was not paying attention, and didn’t realize it was through HSBC. Now, I have always had issues with them. The limit for the card is only $300, and I was charged $49 for the yearly fee. I used it, to a total of $299.78 in the first month, including the fee. I then paid it. In full, on the 25th of January. I noticed, the payment posted, but my available limit is only $1, yet my credit limit is $300. So I called them, on the 1st, asking why my available is only $1, and they told me new accounts get a 7-10 day hold. I figure that makes sense with the credit fraud that has been happening. I let it go. It is now the 6th. It has been 11 days now since I have paid. Guess what, still have a hold. So, I have sent them a nice little email, and will call them this afternoon.

Fun part, I have had a Capitol One card for three months now. No holds, no issues except being told I can pay with my debit cardat the Capitol One Bank locations which is not the case. That is the only lie they have told me so far.

Will update later if anything changes.

-Z