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Best Buy Credit Card Application Form

If you want to request a credit line with Best Buy, you have to use this form. Complete and submit the form in print or apply via the internet.


Extracted Text for Proper Search

(For DRC Use Only)         	ORG # 369     Merchant # 88972  Bus HSBC ACCOUNT # __________________________________________________________
Merchant # 88973  Govt/Educ
CREDIT LINE $ __________________
Was Tax Exemption Form received?	
oYes     	oNo      	oN/A REFERENCE #	
HSBC Retail Credit (USA) Inc. requires that all requested documentation be received before the application process begins. Should you have any questions, please call 18008117276.
If the requested credit line is greater than $50,000 or if no personal guaranty is given, you may be required to submit your latest financial statement or most recent tax return. If business
entity is a taxexempt organization, please provide taxexempt documentation. Using blue or black ink, please complete all sections of the application, including the Personal Guaranty Section
if necessary, include the requested financial information, and FAX TO 19524307894.
As an inducement to HSBC Retail Credit (USA) Inc. to finance the purchase of goods or services by the business entity that has signed the Business Account Application, the undersigned (“Guarantor”)
unconditionally guarantees the prompt payment when due, or on demand, of the full amount of indebtedness due to HSBC Retail Credit (USA) Inc. from the business entity, including all charges, expenses
and fees (collectively, the “Account”). Guarantor authorizes HSBC Retail Credit (USA) Inc. to investigate Guarantor’s business and/or personal credit and to furnish information about the Account and
Guarantor to credit reporting agencies and others,including HSBC Retail Credit (USA) Inc.’saffiliates.
First Name Middle Initial Last Name Date of Birth
Home Address  Unit Number City State Zip
Home Phone #Social Security # Annual Income
Signature Date ()
E. Purchasing Information / Authorized Users
Are all purchases tax exempt?   Y   or   N Is a purchase order number required for all transactions?   Y   or   N If yes, choose one of the following: Written  	o	Verbal  	o	Please attach Tax Exempt Certificate Application.
Check box if cards are to be issued with business entity name only   	o	Number of Cards Requested _______________________________
1. ___________________________________________ Spending Limit ____________ 4. ___________________________________________ Spending Limit ____________
2. ___________________________________________ Spending Limit ____________ 5. ___________________________________________ Spending Limit ____________
3.___________________________________________ Spending Limit ____________6.___________________________________________ Spending Limit ____________
If additional authorized users are requested, please list on a separate sheet of paper and submit with the application.	
F. Signature
Do not sign this Application before you read it.By the signature of its authorized representative below, the business entity: (1) submits an Application for a credit limit in the highest amount we deem
appropriate, regardless of any initial sale amount; (2) represents that it has authorized the execution of this Application; (3) authorizes HSBC Retail Credit (USA) Inc. to check credit on both the business
and owners and partners, if any; (4) represents that the information provided in this application is true and correct and understand that any false information may result in cancellation of the account;
and (5) agrees to be bound by the terms and conditions of the Business Account Agreement which is attached. Further, the individual signing below represents that he or she is authorized to execute
this Application on behalf of its business entity.
Signature of Authorized Representative Printed Name  Title Date	
7022-DRC-04 (7-06)	
Best Buy Business Application 	
Business Pro Name _______________________________________________
Customer Account Number _________________________________________	
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each
person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.
We may also ask to see your driver’s license or other identifying documents.
A. Type of Account B. Requested Credit Line
Business Contact EMail Address Business Name (Maximum 26 characters) DBA (Doing Business As)
Business Physical Address City State Zip
Business Billing Address (If different)                                                 Department Name / Attention To: City State Zip
Business Shipping Address  City State Zip
Business Phone # Business Fax #
Billing Contact Name Billing Contact Phone # Parent Company Name (If applicable)
Parent CompanyAddress City State Zip
Year Business EstablishedNumber of EmployeesFederal Tax ID (FEIN)
Business Type (Select One):
oSole Proprietorship	oPartnership	oPublic School	oLimited Liability Company	oGovernment Agency	oNonProfit*	oCorporation	oPrivate School*
*For NonProfit and Private Schools, Financial Sta	tements or Personal Guaranty	is required if in business less than 2 years. ( )
( )
o	Revolving	o	NetRequested Credit Line _______________________________	
C. Business Information
D. Personal Guaranty (Required for all Sole Proprietorships and Partnerships. Also required for Corporations and LLC’s in business less than 2 years)

Best Buy Business Account Agreement
GENERAL:	Each business entity submitting the application for a Business Account
(“Account”) applies for an Account with HSBC Retail Credit (USA) Inc. In this Agreement, the
words “you” and “yours” refer to the business entity applying for an account, the words “we”,
“us” and “our” refer to HSBC Retail Credit (USA) Inc. and the word “Seller” refers to Best Buy.
Any person using the Account with the express or implied permission of you (“Authorized
User”) is bound by the terms of this Agreement.
If we accept your application to open an Account, we will extend credit and make advances
so that you may purchase goods and services for business purposes from the Seller for the
Networked Home Solutions program only.	
ACCEPTANCE OF AGREEMENT:	The use of your Account by you or an Authorized User,
means you accept this Agreement.	
PROMISE TO PAY:	You agree to pay in U.S. dollars for all purchases, late charges, overlimit
fees, return check charges, and other charges or fees under this Agreement incurred by you
or an Authorized User plus collection costs, including court costs and reasonable attorney fees.	
BUSINESS PURPOSE:	You represent that (1) you are (a) a valid business entity in good
standing under the laws of the jurisdiction of your organization; or (b) a qualified religious,
educational or other nonprofit entity; or (c) a government agency or instrumentality; (2) this
Application and Agreement is executed by a duly authorized representative on your behalf;
and (3) this Account will be used for business purposes only as defined in the Truthin
Lending Act and Regulation Z and that purchases under this Account are not subject to the
TruthinLending Act or state statutes governing consumer credit purchases for personal,
family or household purposes.	
CREDIT LINE:	You agree that we may establish a credit line for your convenience and that
your credit purchases, at any one time, will not exceed the amount of your credit line
established by us. You will be advised of your credit line when your Account is approved. You
agree that we may terminate or reduce your credit line at any time.	
PAYMENTS:	You agree that any payment may be returned to you if your check is (i) not
drawn on U.S. dollars on deposit in the U.S.; (ii) missing a signature; (iii) drawn with different
numeric and written amounts; (iv) endorsed with a restrictive endorsement; (v) postdated;
(vi) drawn on a credit account issued by us or our affiliates; or (vii) not paid on presentment.
Payments received after 1:00 pm will be credited on the next business day. Payment checks
must be accompanied by the remittance portion of your billing invoice and your account
number must be written on the check; otherwise your payment may not be credited to your
account and it maybe returned to you.If you send us a communication concerning a
disputed debt, including an instrument tendered as full satisfaction of a debt such as a
payment marked “payment in full” or similar notation, send it only to: P.O. Box 4160, Carol
Stream,IL 601974160.	
REPAYMENT TERMS:Revolving	You agree to pay a Minimum Monthly Payment in an amount (rounded to the next
highest dollar) which is the greater of: (1) 1/12	thof the balance as shown on your billing
statement; or (2) $25. When your balance is less than $25, the Minimum Monthly Payment will
be your balance.You may atany time pay the entire New Balance shown on your billing
statement,but each month you must pay atleast the Minimum Monthly Payment bythe
payment due date indicated on such billing statement.	
Net	Each purchase applied to your Account will generate a billing invoice which will be sent
to you.You agree to pay the Total Due by the Due Date as indicated on each invoice. Invoice
terms may vary. We will send you a recap statement monthly. The recap statement will show
all activity, including invoices, late charges, payments and other charges/credits posted to
your Account since the last recap statement.	
FINANCE CHARGES:Revolving	Your account has a variable rate feature and therefore the daily periodic rate
and corresponding Annual Percentage Rate may change monthly. Finance Charges for each
billing cycle equal the Average Daily Balance, including current purchases, times the Daily
Periodic Rate times the number of days in the billing period. The Annual Percentage Rate will
be 12.75% above the highest Prime Rate (and the Daily Periodic Rate will be 1/365	
thof this
figure) as published in	The Wall Street Journal	“Money Rates Section” on the 25	thday of the
calendar month which immediately precedes the Change Date for that billing period. If the
thday of the month is not a business day, we will use the Prime Rate in effect on the next
business day thereafter. The Average Daily Balance is the total of the outstanding Balancesf
or all days in the billing period divided by the number of days in that billing period. The
outstanding Balance is (1) the unpaid balance,including new purchases, plus (2) any unpaid
Finance Charges; and other Charges and fees,if any, less (3) all credits and payments
received in the billing period on or before that billing date. If the previous balance shown on
the monthlystatement is zero and you paythe new balance in full bythe payment due date,
you will not have to pay finance charges on the new balance amount.	
Net	Not applicable to this program.	LATE PAYMENT FEE:Revolving	If you fail to pay the Minimum Monthly Payment when due, you agree to pay a
Late Payment Fee of $29.	
Net	If you do not pay the Total Due by the Due Date as indicated on each invoice, a late
charge will be assessed.The late charge is the past due balance of the invoice times a
monthly rate of 1.5% or $20, whichever is greater, and will appear on the monthly recap
statement.A subsequent invoice will not be sent to you.Late charges will be assessed each
month until the invoice balance is paid in full. The invoice will not be considered paid in full
until the principal balance plus fees have been paid.	
RETURN CHECK FEE:	If you make a payment with a check that is dishonored or returned
for insufficient funds you agree to pay a fee of $20 for each such check.	
OVERLIMIT FEE: 	If you make a purchase which causes your balance to exceed your credit
limit,you agree to pay a fee of $25 for each such occurrence.	
PERSONAL GUARANTY:	Guarantor waives anyand all notices regarding this Guaranty and
the Account. Guarantor consents to and waives any and all notices regarding the release of the
whole or any part of the indebtedness,the settlement or compromise of differences,the
acceptance or release of security or any other form of obligation for the Business Entity’sindebtedness and anything whatsoever, whether or not specified in this paragraph, which may be done
or waived by or between us and the Business Entity or the Business Entity’s representatives or other
creditors in a bankruptcy proceeding or under any other circumstances. The obligation of Guarantor
is primary and unconditional, and covers all existing and future indebtedness of the Business Entity to
us. This obligation shall be enforceable before or after proceeding against the Business Entity or
against any security held by us and shall be effective regardless of the solvency or insolvency of the
Business Entity at any time, the extension or modification of the indebtedness of the Business Entity
by operation of law, or the subsequent incorporation, reorganization, merger, or consolidation of the
Business Entity, or any other change in the Business Entity. This Guaranty does not create an obligation
to us to extend or continue to extend credit to Business Entity. Our records relating to the Account shall
be admissible in evidence in any action or proceeding involving this Guaranty and the records shall be
prima facie proof of the items therein set forth. This Guaranty shall for all purposes be deemed to be
made in and shall be governed by the laws of the State of Delaware. This Guaranty shall be binding
upon Guarantor, his or her legal representatives, and assigns and shall inure to the benefit of us and
our successors and assigns. Guarantor acknowledges that he or she is an owner of, or partner in, as
applicable, the Business Entity and further acknowledges receipt of consideration for this Guaranty.	
APPLICATION OF PAYMENTS:	We may apply your payments in any order determined by us.	SECURITY:	(Except in Montana & New York) You are giving us and we are retaining a purchase money
security interest under the Uniform Commercial Code in the goods being purchased under this
Agreement until the debt for the goods is paid in full. This permits us, under certain circumstances as
provided by law, to take back, or repossess, the goods if you default under the terms of this Agreement.	
DEFAULT:	The following are events of default under this Agreement:
• You do not pay any payment when due.
• You make any false or misleading statement on your credit application or fail to supply us
with updated financial statements within 30 days of our request.
• You file for bankruptcy or a bankruptcy petition is filed against you.
• Any natural person guaranteeing payment of this Agreement dies, declares bankruptcy or
has a bankruptcy petition filed against him or her.
• There is an event that occurs which in our reasonable discretion causes the prospect of
payment by you to be significantly impaired.
•The goods securing this Agreement are lost or destroyed.
•You breach anyother terms of this Agreement.
In the event of default, we may demand the entire unpaid balance be paid immediately. If you are
in default and we refer your Account to an attorney and/or collection agency for collection, we may
charge you our collection costs, including court costs and reasonable attorneys’ fees, when and as
permitted by applicable law. We also reserve our rights and remedies pertaining to repossession
and resale of any repossessed goods as provided under applicable law.We agree to pay you a
surplus, if any, resulting from a resale of repossessed goods, and you agree to pay us a deficiency,
if any, when permitted by law.
All liabilities of the Company and of the Guarantor shall mature immediately upon the insolvency
of the Company,its inability to meet its obligations as they become due, the appointment of a
receiver, custodian or trustee for the Company or any of its property, the filing of a voluntary or
involuntary petition for relief in bankruptcy, reorganization, or arrangement, the making of an
assignment for the benefit of creditor, or the calling of a meeting of creditors by the Company, or
if any of the foregoing events shall occur with respect to any Guarantor.	
ARBITRATION:	Any claim, dispute, or controversy between you and us (whether based upon
contract; tort,intentional or otherwise; constitution; statute; common law; or equity and whether
preexisting, present or future), including initial claims, counterclaims, crossclaims and third party
claims,arising from or relating to this Agreement or the relationships which result from this
Agreement,and except as provided below, the validity or enforceability of this arbitration clause, any
part thereof or the entire Agreement (“Claim”), shall be resolved, upon the election of you or us, by
binding arbitration pursuant to this arbitration provision and the applicable rules or procedures of
the arbitration administrator selected at the time the Claim is filed. The party initiating the arbitration
proceeding shall have the right to select one of the following arbitration administrators (the
“Administrator”):the National Arbitration Forum (“NAF”) or the American Arbitration Association
(“AAA”). The arbitrator shall be a lawyer with more than ten years experience or a retired or former
judge. We agree not to invoke our right to arbitrate an individual Claim you may bring in small claims
court or an equivalent court, if any, so long as the Claim is pending only in that court. The rules and
forms of the NAF and AAA may be obtained by writing to these organizations at the addresses and
websites listed below. Our address for service of process under this provision is HSBC Retail Credit
(USA) Inc.,c/o HSBC Business Solutions, P.O. Box 4160, Carol Stream, IL 601974160.
Any participatoryarbitration hearing that you attend will take place in the city nearest to your
residence or your primary place of business where a federal district court is located or at such
other location as agreed bythe parties.The parties shall bear the expense of their respective
attorneys’ fees, except as otherwise provided by law.
This arbitration agreement is made pursuant to a transaction involving interstate commerce, and
shall be governed b
ythe Federal 
Arbitration Act, 9 U.S.C. Sections 1  16 (the “FAA”). The arbitrator
shall apply applicable substantive law consistent with the FAA and provide written reasoned findings
of fact and conclusions of law. Judgment upon the award may be entered in any court having
jurisdiction.The arbitrator’s award will be final and binding except for: (a) any appeal right under the
FAA; and (b) any appeal of Claims involving more than $100,000. For such Claims, any party may
appeal the award to a threearbitrator panel appointed by the Administrator, which will reconsider
de novo (i.e.,in its entirety) anyaspect or all aspects of the initial award thatis appealed.The panel’s
decision will be final and binding, except for any appeal right under the FAA. Unless applicable law
provides otherwise, the appealing party will pay the appeal’s costs (i.e., the amounts owed to the
Administrator and the arbitrators),regardless of its outcome.However,we will consider in good faith
any reasonable request for us to bear up to the full costs of the appeal.
This arbitration agreement shall survive termination of your Account as well as the repayment of all
amounts borrowed hereunder.If any portion of this arbitration agreement is deemed invalid or
unenforceable under any law or statute consistent with the FAA, it shall not invalidate the remaining
portions of this arbitration agreement or the Agreement. In the event of a conflict or inconsistency
between the rules and procedures of the Administrator and this arbitration agreement, this
arbitration agreement shall govern. Notwithstanding any language in this arbitration provision to the
contrary, no arbitration may be administered, without the consent of all parties to the arbitration, by

any organization that has in place a formal or informal policy that is inconsistent with and
purports to override the terms of this arbitration provision, including the Class Action Waiver
Provision defined below. No class actions or private attorney general actions in court or in
arbitration or joinder or consolidation of any Claim with the claim of any other person are
permitted in arbitration without the written consent of you and us. The validity and the effect
of the preceding sentence (herein referred to as the “Class Action Waiver Provision”) shall be
determined exclusively by a court and not by the Administrator or any arbitrator. Neither the
Administrator nor any arbitrator shall have the power or authority to waive, modify or fail to
enforce the Class Action Waiver Provision, and any attempt to do so, whether by rule, policy,
arbitration decision or otherwise, shall be invalid and unenforceable.
You may contact, obtain the arbitration rules of, or file a Claim with NAF or AAA as follows:
National Arbitration Forum American Arbitration Association
P.O. Box 50191 1150 Connecticut Ave, NW, 6	
Minneapolis, MN 55405 Washington, DC 200364104
Code of Procedure Commercial Dispute
Resolution Procedures Rules and Procedures
As used in this arbitration provision, the term “we”, “us”, and “our” shall mean HSBC Retail
Credit (USA) Inc., its parents, subsidiaries, affiliates, predecessors, successors, assigns, and
each of their officers, directors and employees.	
CHANGE OF TERMS:	We may change or terminate any terms, conditions, services or
features of your Account or this Agreement (including increasing your late charges) at any
time.We may also add new terms, conditions, services or features to your Account or this
Agreement.We may impose any change in terms or any new terms on your outstanding
balance as well as on subsequent transactions and balances. To the extent required by law,
we will notify you in advance of any change in terms or any new terms by mailing a notice
to you at your address as shown on our records.	
UPDATED FINANCIAL INFORMATION:	Upon request, you agree to promptly give us
accurate business and personal financial statements.	
CREDIT INVESTIGATION:	You give us the right to investigate your business and/or personal
credit history,as applicable. You authorize us to furnish information about the Account to credit
reporting agencies and others who may lawfully receive the information including our affiliates.	
LIABILITY FOR USE:	If we do not deliver a credit card that may be used to access an
account or cards are issued in the name of the business entity onlythen you acknowledge
that you are agreeing to be liable for all purchases charged to your Account by any person
providing your account number to a Seller. You agree that you will keep your account number
confidential, and notify us immediately if you have any reason to suspect that anyone other
than your officers, employees, or agents you have authorized to use the Account have
obtained access to your account number.	
CANCELLATION OF ACCOUNT:	We and you have the right to cancel this Agreement/ Account,
as it relates to future purchases, at any time without default. You, of course, remain obligated to
pay for all purchases made prior to cancellation and the security interest in goods purchased under
this Agreement continues in full force and effect.	
CANCELLATION OF AUTHORIZED USER:	You may cancel the authorization of an Authorized
User by notifying us, in writing, at the address indicated on your monthly statement. You will not
be responsible for any unauthorized purchase after we receive written notice from you.	
USE OF DATA:	Notwithstanding any other verbal or written communications or representations to
the contrary, the Company and all Users agree that we or our servicers or assigns can collect and
use data concerning the Company, Authorized Users, this application and transactions involving
your Account and can sell or transfer such data to our affiliates, servicers or assigns, except as
provided by law. You may direct us not to share with our affiliates or subsidiaries certain
information (other than transactions or experience information) about you by writing to us at HSBC
Business Solutions, P.O. Box 4160, Carol Stream, IL 601974160.	
ASSIGNMENT:	You agree that we may sell, assign or transfer our rights to your Account without
written notice. You may not sell, assign, participate or transfer your rights under this Agreement
without our prior written consent.	
MONITORING PRACTICES:	You agree that our supervisory personnel may listen to and record
telephone calls between you and our representatives in order to evaluate the quality of our service
to you and other cardmembers.	
ENTIRE AGREEMENT:	This is our entire Agreement and no oral changes can be made.	CHOICE OF LAW:	This Agreement is governed by the laws of the State of Delaware.	NOTICE FOR OHIO RESIDENTS:	The Ohio laws against discrimination require that all creditors
make credit equally available to all creditworthy customers, and that credit reporting agencies
maintain separate credit histories on each individual upon request. The Ohio Civil Rights
Commission administers compliance with this law.	
NOTICE FOR WASHINGTON RESIDENTS:	Washington State law against discrimination prohibits
discrimination in credit transactions because of race, creed, color, national origin, sex or marital
status. The Washington State Human Rights Commission administers compliance with this law.	
NOTICE FOR IOWA RESIDENTS:	Do not sign this Application before you read it. You are entitled
to a copy of this form. You may prepay the unpaid balance at any time without penalty and may be
entitled to receive a refund of unearned charges in accordance with law.	
NOTICE FOR MAINE RESIDENTS:	We may request a consumer report in connection with your
application for credit. You may ask whether a consumer report was obtained by us and we will tell
you the name and address of the consumer reporting agency, if a report was obtained.	
NOTICE FOR VERMONT RESIDENTS:	A consumer credit report may be requested in connection
with this application or in connection with updates, renewals or extensions of any credit granted
as a result of this application. Upon your request, you will be informed whether or not such a report
was requested and,if so, the name and address of the agency that furnished the report.	
7022-DRC-04 (7-06)

Which Account is best for your business?	
Just answer a few quick questions and we will help you pick the right credit program for your business.	
•Do you pay your full balance each month? Y    N
•Do you prefer invoice billing?   Y    N
•Is your business tax exempt? Y    N
•Does your business have multiple locations? Y    N
•Are your bills managed and paid by a parent company? Y    N
• Does your business have more than 25 employees? Y    N	
If you answered 	NO	to most questions,
Try our 	
Commercial Revolving Account	
• Ideal for the small to medium business
• Minimum monthly payment
•One monthly billing statement
If you answered 	YES	to most questions,
Try our 	
Commercial NET Account	
•Ideal for larger business with multiple
• Individual Invoices
• Invoice level billing and billed per invoice
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