: Citi (the card issuer) is known to close accounts for inactivity, sometimes in less than a year.

While the My Best Buy® Visa® Credit Card offers high rewards for tech enthusiasts, it is frequently criticized for complex deferred interest rules and aggressive account management policies.

: Rewards are issued as Best Buy gift certificates that expire quickly—often within 60 days —and cannot be used elsewhere. Account & Service Issues

If the full balance isn't paid by the deadline, interest is charged retroactively from the .

Users have reported accounts being closed without warning after just two missed payments, even during medical emergencies.

: The "0% interest" promotions are often deferred interest, not 0% APR.