When I got a Best Buy card, I also got the no-interest-no-payment deal for 12 months. Of course, I was going to pay before the interest came due so I made sure that I mailed it 15 (FIFTEEN) days before the due date.
Surprise, surprise, they suddenly did not get payment (all this while they got the payment if I mailed it even 3 days in advance) till AFTER the due date.
If it was only this one card, I would have said, it happens. But when the SAME exact situation happened to another Household Finance card, I knew that these sleazebags were purposely holding payment.
Do NOT ever get a store or other card with HSBC or Household Finance. They are the biggest crooks in a business filled with crooks.