I have a card for Best Buy Stores through CitiBank that I used to finance some appliances. I tried to use the auto-pay option and my billing setup keeps being disabled. As a result I have XXXX black marks on my credit report for a bill that I had the means and every intention to pay. The web interface is obtuse and their customer service refused to work worth me in anyway after I had brought my account current and re-configure auto bill pay. Personally I will be transferring my balance away from them ASAP and I will never do business with either Best Buy or CitiBank in anyway in the future. 
