I’ve read what you’ve posted. I have no idea what HSCB is and I am not going to your link to find out. It appears you are unhappy with Best Buy but I have no clue why.
If you buy a deferred interest item at Best Buy, then plan to pay off before promotion expiration, don’t assume they are not charging you . There is a “fee” for credit protection they sign you up for automatically. Therefore, your payment goes primarily to pay the fee rather than toward the balance on the item you have purchased, and at the end of the promotional period, you still owe virtually the full amount of the item purchased plus , if past the expiration of the promotion, all the deferred interest. Since my bill on this was relatively small and I had a 0% promotion, I just paid the minimum amount each month, and was surprised when I looked back, that I still owed as much as I had the day I bought it! Obviously, if it doesn’t pertain to you, by no means go to the website, but I did find out that I can make a monthly FR donation from the money I won’t be paying to Best Buy for this scam. I suspect a lot of other deferred interest offers are hooked to the same scam.
HSCB is a credit card collection service and they collect paments for several different credit cards. They collect for Best Buy, Menards, and maybe Kohl’s. I’m not sure about the last because I don’t have an outstanding debt with any of the above. I’ve noticed that many CC companies have a line and a box to check where you are supposed to sign when paying your bill. That line is signing you up for CC “insurance” at $2 - $5 per month. Never sign that.
The link at the top of the page just takes you to a forum where people are discussing this fee and how to get rid of it. Apparently this fee is insidious in that it is a percentage of the money still owed on the bill — .90/$100 — added each month to the balance due.
I shop at BB from time to time out of convenience, but I am wary of their business practices.