If you buy anything at Best Buy do not apply for their credit cards. I made this mistake TWICE (yes I am an idiot). Best Buy wont do anything for you if you need customer service concerning their credit cards. They refer you to the actual cardholder: HSBC Bank. If you try to call HSBC you will NEVER reach a human being no matter what path you take through their phone menus.
Pressing, 'Zero' does nothing but, repeat the same useless message you just heard. If you call Best Buy and tell them this, they will give you another number for HSBC. Guess what? You wont reach anyone there either. Pay the card off in full and guess what? They send you another bill for meaningless charges. Pay those off and - you guessed it, they will charge you some piddly sum under $2 in hopes that you wont pay that in time and they can add more.
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