Complaint / Review
HRS USA - Best Buy
90 Days Same as Cash Plan Brought $48 Late Fees

I purchased a $150 item June at Best Buy using their "90 days same as cash" promotion. The monthly statements from their finance service, HRS USA, state "if we receive (purchase price) by the promotion expiration date X/XX, no FINANCE CHARGES will be due on the purchase. Any minimum payments on other credit plans and/or accrued account protection charges are due by the payment due date." Since I had no "other" credit plan, I waited the 90 days and paid the purchase amount.

The next month I got another bill, with $48 in "late fees" and about $10 in finance charges. I called HRS USA and their story is that "90 days same as cash" requires minimum payments. What??? How is that same as cash? $58 in finance charges over 4 months? That's 110% APR! It's a rip-off!