I asked Menards to offer a 12 month no interest no payments on a over $2000 privacy fence and auger. At the end of 12 months, i still owed a balance.
The then tried to charge me $312.00 in back interest for not paying off the bill. When I asked what the 12 months no interest and no payments was and why I was being charged for back interest, they informed me that I needed to look at the contract I signed. I signed no contract, my big card had been canceled at the time and they can't produce one. Yet two years later I continue to get calls up to 13 times a day filling up my answering machine from collection agents trying to collect the money along with another 300 or so for late fees.
When I say I don't owe it, I get argued with, cussed, harased and intimidated. I have called HSBC on several occasions and got nothing but treated rude. They refuse to take me to court. They only have the balls to have collection agents call and harass me for almost two years.
Anyone who uses Menards or any other card through HSBC is going to be sorry. The *** will never end.
When they call, they now get a taste of their own medicine. Any questions, Email me at email@example.com