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None. I have had a credit card account with Best Buy for five years. It started on XXXX Best Buy, and was migrated over to Citibank Best Buy ( I 'm not sure when. ) I 've been a very good customer, and have always paid my bill on time. I was shocked this month to find that for the past five years, I 've been being charged for " Debt Protection '' when I never signed up for it, and was never notified once the account was transferred to Citibank. I have already gone through the process to have it cancelled. After waiting 30 days, I just received a letter today saying they wo n't refund the service, even though I did not physically sign up for it. Checking my documentation, this was never a requirement on new credit accounts or that it would automatically be applied. I will take responsibilit