Here is my situation:
I have 2,604 due Nov 11 2026
I have 3,800 due Dec 9 2026
I have 908 due Jan 9 2027
I KNOW I am not going to be able to come up with 7,300 in the next three months!
I little defense, I have had this account for over 10 years and have always paid off promotional balances on time. Unfortunately, last year I was forced to buy a house and money got tight.
Anyway,
I called Best Buy today and asked if I could have a payment of $1000 that I made yesterday applied to the amounts due in January, after any minimum payments. They told me they could not and that it was applied to the amount due soonest and it was locked in.
My goal is to pay as little interest as possible. Given that I know I won't pay off Nov and December, I hoped to avoid paying January's interest.
Now, I am being FORCED to pay interest for Nov, Dec, and Jan.
I could have sworn we are able to call in and request a change in how payments are applied.
I don't have a copy of my customer agreement. Just requested one on their site and they have to MAIL it me. (WTF)
Also, I can't find an email where I can reach out to someone to appeal to.
If anyone out there knows who I might be able to talk to, let me know.
Otherwise, guess I am finally a Best Buy Victim and won't be doing future business with them.