Long story short, I purchased a laptop from Best Buy two months ago and wanted 12 months interest free. They then set me up with a mastercard with a $12,000.00 limit due to great credit score.
I returned the laptop three weeks later. Best Buy and HSBC sends me a letter two months later stating I now have bad credit and and they have reported me to Equifax and have had my credit score lowered. Please note that my credit report has been above average for over 20 years until my dealing with Best Buy.
Is this how they get you back now for returning a product? Beware.