Best Buy/HSBC HSBC Retail Services Horrible banking policy won't budge on due date City of Industry, California

I don't see how this is a rip-off. 

First, why should they have to move their due for you? You borrowed the money, agreed to the terms, etc. When they borrow from you, you can set the payment date to any time you want. 

Second, and most importantly, why would you ever need to have a due date moved? You can't expect every bill to be due AFTER he gets his check. That's just silly talk. 

Responsible people pay their bills on time. That means if a bill is due on the 14th and you don't get paid until the 15th, that isn't an excuse to pay late or expect businesses to make changes for you. Lazy people expect that kind of thing and only deadbeats cry about those kinds of problems.

If you get paid even a day after a bill is normally due, then it's real simple, you save some money from the previous check to pay it. In other words, if you're paid monthly on the 15th and a bill is due on February 14th, then you got your money to pay that bill back in January. You save some of that and paid on time, no excuses. Then when you get your February check the next day, guess what? You put a little of that aside again for the March bill that you know will be due just before you get your March check.

Budget yourself. Be responsible.