Hello, I am currently new to these boards and I was just wondering if anybody could help me with this problem I may be having. You see, last spring I applied for a Best Buy card and purchased a laptop with it. A few weeks later I had to call customer service and activate the card and I did so, however, one of the representatives also put me on a creditkeeper account. She told me the service would be 10 dollars a month along with the payments on the laptop and that it should all be paid off within six months. So I did what they said and paid for my laptop within six months. My last bill for the laptop came in October and I paid it off and I thought everything was all said and done. Now I am currently in the process of wanting to purchase an HDTV with my best buy card seeing as I did a good job in keeping up with payments for the laptop and did everything they instructed me to do.
Well a few weeks after I paid off my laptop I received another bill from best Buy and I thought to myself "Why am I receiving another bill?" I already paid everything off and as it turns out, that even though I paid the laptop off, Credit Keeper would still be charging me 10 dollars a month even though I wasn't using the card anymore at the time. So I called up Best Buy Customer service, and they connected me to Credit Keeper and Credit Kepper was trying to talk me into all these deals they had and that their service was well. However, as much as they wanted me to do business with them, I can't be paying 10 dollars a month for a card that I was no longer using at the moment. So I told them to please cancel the creditkeeper account and so they did and refunded back the 10 dollars I supposedly owed and I thought everything was all said and done.
Two weeks after receiving the bill and after canceling the credit keeper service, I decided to once again use my best buy card to go and purchase the HDTV I wanted. But unfortunately, I lost the card somewhere in my house so I called up Best Buy Customer Service so they could send me a new card which they are, but then this came...I apparently still owed 10 dollars on my bill and I asked them why and they told me it was for Credit Keeper. I told the representative that I canceled the Credit Keeper account and that they would refund those 10 dollars back. She told me the account was still active and that I should call Credit Keeper about it. So after two weeks of receiving that bill and the due date of that bill passing yesterday and being told I did not have to pay it, I have to end up calling them back asking why Best Buy still has the account active and credit keeper tells me that the account has indeed been shut down but since they billed me before shutting down the account I still have to pay. I told credit keeper that last time I called, they said they would refund that back and I would not have to pay and apparently this representative did not know anything about that.
So now I'm stuck with a late bill of 10 dollars that was due yesterday all because of this misunderstanding with credit keeper and I can't pay online due to me not having a bank check(only have a debit card) and the mail doesn't start again until Monday. So can anybody please help me with this? Will a late payment of 10 dollars to credit keeper do anything bad to my credit? If they had told me sooner that I still had to pay the bill I would have paid like always, I have never missed a payment in my life. But since they did not tell me, I'm stuck here with a late payment. I really don't want anything bad on my credit score all because of 10 dollars. So can anybody help? and am I still able to purchase the TV on the card even though I owe money? Reply back please. Thank You
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Dorothy-BBY
@BBYGamerMom
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