I'm not interested in starting a flame war here, but I want to make sure I have this correct. You purchased an item from Best Buy, using their Credit. Am I correct so far? The term of this no/low interest plan was 36 months. Stop me if I'm de-railing. 36 months came and went and you did not pay off the balance because you had forgotten about it. Still with you? And all of this, from start to finish, this is the fault of Best Buy (or the company they contract their credit out to)??? Call me obtuse, but come on. Now, I'm no fan of the corporations making billions on our backs, but this is ridiculous. You need to take responsibility with your Credit (should you choose to participate in the Credit world). Everybody needs to show responsibility with their own actions.