HRS-USA ripoff city of industry California

In October of 2000 i decided to get a computer. i went to Best Buy and applied for store credit to get what i needed. they immediatly approved me for a limit of $1500. i used about $1400 of it on the purchase. i have been faithfully sending them at least or sometimes more than the required monthly payment of about $45, usually $50-$60. after 18 months my balance was still at about $1000. i figured i need to pay this off soon because of all the interest i'm paying. NOW, this week i get my bill and my balance is $1523!!! $100 more than my original balance after 18 months of payments! so they tell me that i wasn't paying any interest untill now, since i had not paid it off yet... all the interest over the past 18 months is added on at once. not only that... out of the money that i had been sending them, they were charging me $16.00 for insurance per month and a host of other BS charges.
Now i was never told about this "special no interest for a year" offer nor did i want it. nor was i told about the BS charges in my monthly bill. i admitt not reading the fine print but how could i? there were a million different decisions to be made and a huge stack of paperwork flying around during this purchase.
But thats what they prey on!! they don't want you to know anything untill its too late, thats how they make their money. creative lupeholes around the system designed to extract money from people for absolutely nothing! how is this any different from loan sharking? how is it legal? making the required payments on something over a certian period of time and end up owing more than you did at the start? i find their tactics despicable. so be sure to watch your ass and read the fine print next time you go to Best Buy.

Anthony
Las Vegas, Nevada