How much is the Best Buy Credit Card late fee? This question is about the Best Buy® Credit Card

How much is the Best Buy Credit Card late fee?

This question is about the Best Buy® Credit Card

Chip Lupo, Credit Card Writer

@CLoop • 03/03/23 This answer was first published on 11/01/21 and it was last updated on 03/03/23.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The Best Buy® Credit Card late fee is up to $41. This fee applies when cardholders don’t make the minimum payment by the due date. The Best Buy® Credit Card late fee for the first time you make a late payment is $30, and it will increase to $41 for subsequent late payments within 6 months. The same fee applies for the Best Buy® Store Card, too.

After 6 months of consecutive payments since your last missed due date, the late fee will reset to $30. Thanks to the CARD Act, the late fee can never exceed the minimum payment amount.

What to do if your Best Buy® Credit Card payment is late:

If you accidentally make less than the required minimum payment or you miss your Best Buy® Credit Card due date entirely, you can always ask customer service to waive the late fee by calling (888) 574-1301. This is much more likely to work if you have a great payment history with the issuer, but even if not, there’s no harm in asking.

To avoid getting hit with late fees in the future, make sure to pay at least your minimum required payment each month. The best way to ensure that you never miss a payment is by setting up autopay.

Is there an annual fee for the Best Buy Credit Card?

No, there is no annual fee for the Best Buy® Credit Card. So, you don’t have to worry about paying a cent for just having it. You can keep it open with a zero balance and it will help you improve your credit score. Just remember to use it from time to time to avoid it being closed due to inactivity.

The Best Buy Store Card also has a $0 annual fee. Best Buy® Gold Visa Credit Card, on the other hand, charges a $0...

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How can I pay my Best Buy Credit Card?

The easiest way you can pay your Best Buy® Credit Card is either online or by phone at 1-888-574-1301. Alternatively, you can make a payment via text, by mail, or at a store. Citibank does allow cardholders to set up automatic payments, too.

Ways to Make a Best Buy® Credit Card Payment

Online: Log in to your online account and click on “Make a Payment.” Then, choose how much to pay, when to pay it, and where the payment is coming from....

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What's the Best Buy Credit Card payment address?

The Best Buy® Credit Card and Best Buy® Gold Visa Credit Card payment address is:

My Best Buy Visa Card Payments
P.O. Box 78009
Phoenix, AZ 85062-8009

Best Buy® Store Card cardholders should send their payments to the following address:

My Best Buy Credit Card Payments
P.O. Box 9001007
Louisville, KY 40290-1007

Payments sent via mail are the slowest to post. So, make sure to send yours at least 7-10 business days prior to your due date. This way you can avoid...

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