Case # 1: The due date for my Best Buy Credit Card (HRS) was on the 17th of each month. Last February it was backed up 2 days until the 15th and my payment was late and I was charged a late fee. I was told by a very rude customer service agent that there are 25 days in the billing cycle and I would have known that if I had read my agreement. Pretty good scheme to collect a few late fees at 29 bucks a pop.
Case # 2: I sent out my monthly payment that was due on the 17th of January on 29 December. On the 15 th of January I sent out a hefty payment to pay off a charge to beat the interest. Both payments were credited the same day, January 31st and I was again charged a late fee. It is rather ironic that they were sent out two weeks apart and credited on the same day. This is not the first occasion of taking a month to get to them when it takes other bills only days to get to places farther away. When I called customer service to question the late charge,the usual rude customer service agents said that it did not matter when I mailed it, it is when they receive it. After much begging they did take the late fee off, but made me feel like they did me a huge favor. I did them a favor and paid the account off in full, as well as write Best Buy a letter letting them know why I will not use their credit card service.
Overall my experience with this organization has been negative. It seems they will do what they can to get these late fees. Customer service is not a term you can use in the same sentence to describe HRS. I pay my bill on time without exception and have no need for the headache of dealing with HRS. There are lots of other companies out there with better service and lower interest rates that talk to you like a person, not a criminal. Good bye hrs.