Best Buy Must Be Doing Really Well

Squarehard

Squarehard

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I just called to cancel my Best Buy Mastercard after being a member for 4 years. I have always had an issue with paying the annual fee, but every year the accounts manager would talk me out of it by waiving the fee for me.

This time when I called up to cancel my account, the customer service rep on the phone spent about 30 seconds getting my information, and then I told her I wanted to cancel my account, and she just straight up canceled it without trying to get me to keep the account. In the past they would do everything they could to keep me on the line and then send me to an accounts manager that would waive my fee.

I guess now Best Buy is just doing so well they don't mind letting a Best Buy Master holder and Premier members cancel their card. I'm cool with it either way since I usually just force spend the $2500 each year to keep Premier status.

I'm just curious what they have in the works. It must be something so big they don't need people to own their credit cards. Best Buy on their way up in the world!
 
so you called to cancel your credit card

and you are mad (More than likely embarrassed) that they didnt kiss your ass to stay?

i think you have personal issues you need to get figured out if you called a custo service line because you wanted to feel that you were important(By them waiving your annual fee)
 
You're complaining.. because you called to cancel your card.. and they did what you asked? lmao Damn those horrible Customer Service Reps. The rep you talk to on the phone could give a shit less if you keep the card or not, they still get their paycheck.. Now if you called or asked to speak to the retainment dept maybe they'd do something for you. But usually you have an annual fee because of your credit rating. I know I work at Capital One
 
[quote name='Destiny']and you are mad that they didnt kiss your ass to stay?[/QUOTE]

I was just so used to them doing it for 4-5 years, I guess I'm not accustomed to them giving up after 30 seconds, so my expectations were spoiled.

But seeing how I don't have to force myself to use that card everywhere it's not really a big deal since my Chase Freedom card is just fine.

The limit on that card was awful anyways, since it was a rewards card, and not a regular credit card, hence the annual fee.

[quote name='GirlsRscandalouz']I know I work at Capital One[/QUOTE]

:applause:

[quote name='whoknows']Sounds like you didn't actually want to cancel the card and were just hoping they would waive the fee.[/QUOTE]

Yeah, you got me there. I never really want to keep the card, which is why I try to cancel every year. One year they almost let me off, but at the end they sent me to the accounts manager and they canceled the fee.

I am really just surprised how relaxed they are this year around, especially with the state of their company currently, I would think they would want to try to keep all avenues of profit open to them. But I don't really know how credit card company works as far as profitability for particular companies, so I was just surprised they didn't care to try and keep me on. It's not like I work for Capital One or anything like that.

[quote name='yourlefthand']This probably doesn't have much to do with best buy anyway. The number you called was for the issuing bank.[/QUOTE]

I just was interested in why they tried so hard in the past to keep me on when I just wanted to cancel. The people I call were never HSBC directly, I was always sent directly to Best Buy's division of HSBC, and if I had further issues on my credit card I had to go directly to HSBC in a completely different division, and they were never in direct contact, which is why I believed they were connected. But as I've mentioned before, I'm not a Capital One specialist, so I can't speak for the credit card inner workings.

[quote name='musha666']I dont understand why anyone would get a credit card with an annual fee. Just doesnt make any sense at all.[/QUOTE]

It has an annual fee attached to it because it is a rewards mastercard that Best Buy starting offering years ago. The annual fee is attached to it, and it was a card I got many years ago when I used to shop at Best Buy a lot. It gave extra rewards back if I used the credit card to shop at Best Buy, so I was like, alright, I guess. But as the years went along, I don't really shop at Best Buy anymore, except when I have to hit my $2500 limit per year to get my Premier status, which I don't even really use anymore. Thus the annual fee is attached to it, which is why I call to cancel it every year. And every year when I tell them I want to cancel, they spend like 10 minutes trying to talk me out of it, once I even straight up said I don't want it, and they sent me directly to an accounts manager, and he waived the fee for me. But as I've said, I don't shop there anymore except for the $2500 I force spend at Best Buy to keep the Premier Status. Oh well, easy come, easy go.

But yeah, I force used the card because of the waived fee and membership.
 
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All of Best Buy's HSBC credit cards were just this month switched over to Capital One. You were probably talking to them, not HSBC hence the different outcome. Like others have stated, you were not talking to Best Buy.

And it's not the fact that it was the Master Card that gave you the annual fee, it was the low(er) credit score. I've also had a Reward Zone Master Card for years, but it was the Platinum Card, not the Gold Card, hence I can use it anywhere and get Reward Zone points, but no annual fee. Currently at Best Buy if you sign up for the card it will give you either the in store card or the platinum card on one app, if you are declined for both you can try for the one with fee seperately.
 
[quote name='SierraNight']All of Best Buy's HSBC credit cards were just this month switched over to Capital One. You were probably talking to them, not HSBC hence the different outcome. Like others have stated, you were not talking to Best Buy.

And it's not the fact that it was the Master Card that gave you the annual fee, it was the low(er) credit score. I've also had a Reward Zone Master Card for years, but it was the Platinum Card, not the Gold Card, hence I can use it anywhere and get Reward Zone points, but no annual fee. Currently at Best Buy if you sign up for the card it will give you either the in store card or the platinum card on one app, if you are declined for both you can try for the one with fee seperately.[/QUOTE]

Well that does make more sense then now that you explain it, and also makes a lot more sense now that they switched over from HSBC to Capital One.

I guess I never really paid attention to changes and what not since as I've mentioned before, I never really used the card a whole lot.

No big deal though. But yeah, I wasn't even aware there was a Platinum level, since I don't even think I was given an option when I signed up. But I guess that was pretty early on before I had credit built up when I signed up for the card initially, so it makes perfect sense.

Thanks for the clear response and clarification. Explanations seem more valid when someone gives an actual response.
 
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The people leaving comments along the lines of 'Stop complaining' or 'Why you mad bro' really need to fuck off. He shared a story, and the point of it was: 'Wow, Best Buy must be doing pretty well these days'. I hate it when people share a story like this and get dog piled by D-Bags. It's happened to me too. It really ruins the point of having a discussion board like this.
 
[quote name='Zaku77']The people leaving comments along the lines of 'Stop complaining' or 'Why you mad bro' really need to fuck off. He shared a story, and the point of it was: 'Wow, Best Buy must be doing pretty well these days'. I hate it when people share a story like this and get dog piled by D-Bags. It's happened to me too. It really ruins the point of having a discussion board like this.[/QUOTE]

I love Squarehard and all but his tone definitely didn't match his text. I can see why people where being d-bags.
 
[quote name='Vinny']I love Squarehard and all but his tone definitely didn't match his text. I can see why people where being d-bags.[/QUOTE]

I can see what you're saying. Even if there was some complaining in there, does that mean people need to respond that way? Aren't we a great community! >_> lol
 
[quote name='Vinny']I love Squarehard and all but his tone definitely didn't match his text. I can see why people where being d-bags.[/QUOTE]

Yeah, I think I came off a little too sardonic as if I had something against them for not waiving my fee on a card I didn't even want to keep.

Hopefully my responses made it more clear.

I am just glad at least one person had the decency to give an actual response though, and actually made sense that they would not give a damn now since BB doesn't even have a direct connection with them anymore. The HSBC days of RZMC are over, which is pretty much what I did not know prior to posting.

It was late, and I was about to sleep and decided to call them up to cancel. It was really quick and an odd experiences, so felt I should share. Maybe I'm just not good at posting stories about myself late at night. Reading it over again, I guess it didn't sound sincere at all, so my mistake.

[quote name='Zaku77']I can see what you're saying. Even if there was some complaining in there, does that mean people need to respond that way? Aren't we a great community! >_> lol[/QUOTE]

Every great community has it's faults, in this case, about half a dozen. @_@

[quote name='mrx001']Two people have made it to my block list.[/QUOTE]

Hope I made the list. :)
 
[quote name='Zaku77']I can see what you're saying. Even if there was some complaining in there, does that mean people need to respond that way? Aren't we a great community! >_> lol[/QUOTE]

Do you really need to ask? I mean, you realize you're on the internet right. It's serious business.:3
 
[quote name='Zaku77']The people leaving comments along the lines of 'Stop complaining' or 'Why you mad bro' really need to fuck off. He shared a story, and the point of it was: 'Wow, Best Buy must be doing pretty well these days'. I hate it when people share a story like this and get dog piled by D-Bags. It's happened to me too. It really ruins the point of having a discussion board like this.[/QUOTE]
To me, the world would be pretty boring if every discussion was always happiness, sunshine and rainbows. People are allowed to have differing opinions other than 'so n so is right 100%'. But I keep forgetting that having a differing opinion and stating it makes you a 'douchebag' and gets all the people who love hitting the report button to hammer it like a bunch of crack fiends.:roll:

As for the OP, I admit I used to bluff AOL that I was gonna cancel if I kept getting disconnected back in the day. They kept giving me free month upon free month, until one month I went to call in and the rep actually was gonna cancel me.

This is how people also get reductions in their phone/cable/etc bills all the time. It works great 90% of the time, but when it doesn't it's a shock, huh? Maybe the reps saw the OP's history of calling in every year to complain and figured enough was enough?
 
[quote name='IAmTheCheapestGamer']As for the OP, I admit I used to bluff AOL that I was gonna cancel if I kept getting disconnected back in the day. They kept giving me free month upon free month, until one month I went to call in and the rep actually was gonna cancel me.

This is how people also get reductions in their phone/cable/etc bills all the time. It works great 90% of the time, but when it doesn't it's a shock, huh? Maybe the reps saw the OP's history of calling in every year to complain and figured enough was enough?[/QUOTE]

It was never a bluff in the beginning, but after each year they just kept doing it over and over again, so it was more like I was accustomed to it rather than calling in for the sole purpose of them waiving the fee.

I was more surprised they didn't want me to keep spending my money at Best Buy since my history would show how much I force spend there on a yearly basis, but since someone clarified the recent change with the main cc company, the new company probably doesn't care what happens to BB as much as HSBC did.
 
But that's another thing. You actually did spend the $2500 every year, just to keep the RZ Silver? I don't think I've ever spent even 1/5 that at BB in any year, even these past couple when I was doing game trades en masse to them.

As long as you research what you're buying before buying it and pay attention to the final return date on the receipt you could do just as well with the normal 30 day return period. As for the free standard shipping, there's that free shipping link from a while ago that works pretty well. It only works on gaming related stuff as far as I know, but that's all I ever really buy from BB.com or in store usually.
 
[quote name='IAmTheCheapestGamer']But that's another thing. You actually did spend the $2500 every year, just to keep the RZ Silver? I don't think I've ever spent even 1/5 that at BB in any year, even these past couple when I was doing game trades en masse to them.

As long as you research what you're buying before buying it and pay attention to the final return date on the receipt you could do just as well with the normal 30 day return period. As for the free standard shipping, there's that free shipping link from a while ago that works pretty well. It only works on gaming related stuff as far as I know, but that's all I ever really buy from BB.com or in store usually.[/QUOTE]

Because of the bonus rewards from the card, I would spend that $2500 each year at BB since it would basically even itself out with the bonus back instead of spending it on some other card so might as well. But yeah, did that for 4 years, which is probably why HSBC had no problem waiving the fees and keeping me on, but I guess it doesn't really matter anymore now anyways.

Premier Silver isn't really even worth it anymore with them throwing out three shipping nowadays all the time like it's candy. I just don't see the benefits anymore other than the bonus rewards, but now I don't have to spend it at BB and can go elsewhere with my money, so I guess it works out in the end. That or I just don't spend it, but I think we both know that's not going to happen. :p
 
This one time, I went to McDonalds and ordered a #1. The guy didn't even ask if I wanted to upgrade to a large. Usually they ask and I say yes. McDonalds must be doing really well.
 
[quote name='Hybrid5006']This one time, I went to McDonalds and ordered a #1. The guy didn't even ask if I wanted to upgrade to a large. Usually they ask and I say yes. McDonalds must be doing really well.[/QUOTE]

If you were any good at making analogies, I think I would actually be offended.
 
[quote name='Squarehard']It was never a bluff in the beginning, but after each year they just kept doing it over and over again, so it was more like I was accustomed to it rather than calling in for the sole purpose of them waiving the fee.

I was more surprised they didn't want me to keep spending my money at Best Buy since my history would show how much I force spend there on a yearly basis, but since someone clarified the recent change with the main cc company, the new company probably doesn't care what happens to BB as much as HSBC did.[/QUOTE]

Maybe they just didn't have the option again this year. I used to work retention for a certain credit card and there would be certain options of what we could do on accounts to help retain a customer (lower apr, higher credit limit, waiving the membership fee, etc) so the rep you talked to might not have had the option and just did what you wanted, or maybe they just didn't care :p
 
[quote name='whoknows']Maybe they just didn't have the option again this year. I used to work retention for a certain credit card and there would be certain options of what we could do on accounts to help retain a customer (lower apr, higher credit limit, waiving the membership fee, etc) so the rep you talked to might not have had the option and just did what you wanted, or maybe they just didn't care :p[/QUOTE]

I actually never thought about it that way too. And now that I know the change with the credit company, this would actually make sense too.
 
lol @ squarehead. Your story sounds similar to one my friend had.

He had AT&T internet for a while and every year they would tell him the current plan would end and he would be charged 20 dollars more per month for the same plan. Each time he called in he would ask to cancel so that he can switch to Comcast because their plan was 33 or so and was the same speed as his current AT&T plan. He just did not prefer to switch to Comcast. I was chilling at his place one night when he made the call, the volume was loud enough for me to hear.

*skip over some of the beginning crap*
Friend: "Hi, I would like to cancel my current internet plan."
Rep: "Okay."
Friend has a wtf look on his face
Rep: "Was there anything wrong with the service."
Friend: "No...comcast has a cheaper plan."
Rep: "Very well, I will be cancelling your account, blah blah..."

*After hanging up*
Friend: "wtf, my plan backfired."
Friend: "Couldn't really say, no I'm joking. What a lose/lose situation."
Friend *sad face*

I just laugh at him. It's a funny story to tell once in a while.
 
I'm guessing he hates the hassle of changing service, or does he just hate Comcast?

I don't like messing with stuff like services though, I'm just too god damn lazy to deal with changing that shit all the time. XD
 
[quote name='IAmTheCheapestGamer']To me, the world would be pretty boring if every discussion was always happiness, sunshine and rainbows. People are allowed to have differing opinions other than 'so n so is right 100%'. But I keep forgetting that having a differing opinion and stating it makes you a 'douchebag' and gets all the people who love hitting the report button to hammer it like a bunch of crack fiends.:roll:

As for the OP, I admit I used to bluff AOL that I was gonna cancel if I kept getting disconnected back in the day. They kept giving me free month upon free month, until one month I went to call in and the rep actually was gonna cancel me.

This is how people also get reductions in their phone/cable/etc bills all the time. It works great 90% of the time, but when it doesn't it's a shock, huh? Maybe the reps saw the OP's history of calling in every year to complain and figured enough was enough?[/QUOTE]


I agree. I am not saying that everything should be sunshine and smiles. I am, however, saying that when someone wants to share an anecdote they should not be met with responses telling them to seek help they have anger issues. The irony is, after reading replies like that they will surely have anger issues even if they did not before! :3
 
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[quote name='Squarehard']I'm guessing he hates the hassle of changing service, or does he just hate Comcast?

I don't like messing with stuff like services though, I'm just too god damn lazy to deal with changing that shit all the time. XD[/QUOTE]

When living with his parents, they used to have Comcast and they always had troubles. So he found them to be of poor service. Living on his own, he never wanted to go back to Comcast. Fast forward to today, he's surprised about the quality of the Comcast service at his apartment complex. I guess it just depends on where you are located for the service to be either good or bad.
 
[quote name='pcktlnt']I guess it just depends on where you are located for the service to be either good or bad.[/QUOTE]

So very true. His parents must've lived in a heavy traffic area. At least the funny story has a happy ending...more or less. ;P
 
[quote name='whoknows']Maybe they just didn't have the option again this year. I used to work retention for a certain credit card and there would be certain options of what we could do on accounts to help retain a customer (lower apr, higher credit limit, waiving the membership fee, etc) so the rep you talked to might not have had the option and just did what you wanted, or maybe they just didn't care :p[/QUOTE]

It's cuz he doesn't have a job now.
 
Square possibly could have just called a few moments before the rep was ending his shift and didn't want to spend the time to do the transcribed rebuttals.

Coincidence and speculation often morphs perfectly into an amusing Dilbert strip.
 
I have a best buy credit card but it does not have an annual fee. I forgot I even had it and when I bought my laptop they had to look it up to make sure before trying to con me into getting it. I have had it for 4 or 5 years and used it twice.
 
[quote name='Kerig']Square possibly could have just called a few moments before the rep was ending his shift and didn't want to spend the time to do the transcribed rebuttals.

Coincidence and speculation often morphs perfectly into an amusing Dilbert strip.[/QUOTE]

Definitely a possibility. :p

[quote name='sendme']I have a best buy credit card but it does not have an annual fee. I forgot I even had it and when I bought my laptop they had to look it up to make sure before trying to con me into getting it. I have had it for 4 or 5 years and used it twice.[/QUOTE]

The finance card or the master card? The finance card won't have any fees to it since it's just a finance card from the store. The other Reward Zone Mastercard is different though. And retail places are always crazy into trying to get you a finance card since the managers push it so heavily onto the employees. They're conditioned like a soldier to have to mention certain things during their shift, even sub consciously. XD
 
I have both cards and don't have an annual fee on either. Then again my credit score is pretty good, and I've a high credit limit on both cards.
 
[quote name='Rexall']I have both cards and don't have an annual fee on either. Then again my credit score is pretty good, and I've a high credit limit on both cards.[/QUOTE]

My credit was pretty crap when I applied for it back then, so the credit gods were definitely against me with the fees. :*(
 
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