HSBC’s largest credit card customer is having a tough time lately. Best Buy Stores uses HSBC Finance for the Best Buy credit card. Will your payment will be processed ‘late’ even if it is not, making an additional $39 for Best Buy and HSBC? Some say it has been happening all along.

Best Buy Co., the nation’s largest consumer electronics retailer, on Tuesday lowered its 2008 profit estimate, blaming a softening economy that is steering shoppers away from high-margin items like flat-screen TVs. Others say better educated consumers avoid the Best Buy credit card and merchants aligned with predatory financing, preferring to buy online instead.

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