I am so determined to kill the Best Buy monster before Christmas ($2300 to go). BB once harassed us on the phone for a bill they claimed we hadn’t paid on time, killed our online payments, and this was before we could pay at the store, wanted $15 to accept an “additional” $106 payment because they claimed we hadn’t paid on time. Problem was we had. I’d made certain it was after the statement shut off date from the previous month’s statement, by one week, paid it online for the current month and had a confirmation #, the money had even cleared our bank. Yet they killed my online payment and tried to charge us a late fee, although the bill was paid over 2 weeks early. We were traveling to make ends meet at that time so it was a real hassle sitting in a campground eating beans and rice and fighting with them over all the fees they were trying to charge me for a bill I had PAID!
I finally got far enough up the food chain that they finally decided to verify my confirmation # (I always keep a pdf of my online payments) and then all the sudden they were oh so sweet and nice and wanted to work with me etc. I got the fee back, they did NOT get the extra payment they were demanding and I decided right then that when it was their turn on the snowball they were GONE at the speed of lightening! It was really hard to not jump them up earlier in the line because of how angry I was with them and they were also my highest interest rate. But we’ve stuck to the pay off schedule. They’ve been the pet bill since July and we’ve knocked off nearly $1,000 a month off of it. I am seriously looking forward to the day it is GONE forever.