Best Buys HSBC Credit Card.... Had 0% deferred interest. It was my fault that I didn't see that the promo on the interest expired earlier than when my payment was due. It resulted in $205 Interest Fee... I called, told them what happened, within a minute it was off. EXCELLENT customer service. I was even more surprised because in my 7 years with them, I've never paid interest. I thought they were going to stick it to me with that one.