I have been waiting for almost a year for a refund that should have been issued in April. The amount is only 96.29, but it's about the point of the matter. I was bounced back and forth between Best Buy and HSBC for 10 months, and when I did an inquiry on why I haven't received an increase in credit in over 2 years (never late and balance was at 0), the rep basically said we don't care that your account is in good standing, and it's all about your credit report. Well, I can tell you for sure that my credit is better than I started, and maybe 680 isn't that great, but that's where paying on time comes into play. Well I said enough with them, and closed my account. If anyone is thinking about applying for credit with Best Buy, please think again. I have seen many Horror stories written about HSBC.
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