topic Re: Q Card - Worthwhile & Safe? in Kitchen

Q Card - Worthwhile & Safe?

WORKING GAL — Sat, 01 Apr 2017 18:08:42 GMT

I am considering getting a Q Card to take advantage of the $5.00 first order credit and also $10.00 E Gift Card being offered today for each purchase on the Q Card. Is it worthwhile getting the card and is it a safe card to use? HELP - ASAP Please!

Re: Q Card - Worthwhile & Safe?

Winkk — Sat, 01 Apr 2017 18:15:32 GMT

I'm sure it is safe but have you checked their interest rates and terms? Also, be careful about how many credit cards you currently have because it effects your FICO score. It may not be worth the few dollars you are saving.

Re: Q Card - Worthwhile & Safe?

WORKING GAL — Sat, 01 Apr 2017 18:23:13 GMT

@Winkk - Thanks for the quick answer. I only have 2 credit cards.

My concern about the card is the sharing of info that the terms say. I know their interest rate is very high and would use it sparingly and pay it off each month so as not to accrue interest. Maybe I'll just pass. Being retired and on a fixed income I don't want my FICO to be affected.

Re: Q Card - Worthwhile & Safe?

mima — Sat, 01 Apr 2017 18:40:28 GMT

It is totally safe.

Re: Q Card - Worthwhile & Safe?

Nightowlz — Sat, 01 Apr 2017 20:22:10 GMT

It's as safe as any other credit card. You receive the incentives when you first get the card but after that no more incentives. With HSN & Evine card they have free shipping offers, % off or certain amount off using their card. I use them to take advantage of the incentives plus I don't have to list another card on these sites to use. Qvc, HSN & Evine all make a % off the cards for the accounts they open for the bank. Just make sure you pay the balance in full each month since their interest rate is highway robbery IMO.

Re: Q Card - Worthwhile & Safe?

Kachina624 — Sat, 01 Apr 2017 21:24:57 GMT

The Q card is managed by Synchrony Bank which just skirts the law between ethical and not. I had a card with Evine which they also handle and in 3 months they made a total mess of my account. I cut the card up and would not consider using the account again. The interest rate is atrocious.

Re: Q Card - Worthwhile & Safe?

homedecor1 — Sat, 01 Apr 2017 22:19:22 GMT

@WORKING GAL

wow $10 each item bought (Seems too good to be true! I know they were giving $5 statement credit) That's an incentive to buy more than one needs I'm sure. Never trust what the "hosts" say they are promoting the Q card for sure!

I did the Q card and took advantage of the promo. I still like using my reg credit card because I get rewards but I've never had a problem.

Re: Q Card - Worthwhile & Safe?

Daysdee — Sat, 01 Apr 2017 22:09:36 GMT

I guess it is safe. I had one several years ago, but prefer to use another card that gives points for cash back. I don't care to use easy pay, so no need to use the Q card. They sure are pushing it now.

Re: Q Card - Worthwhile & Safe?

Nightowlz — Sun, 02 Apr 2017 16:37:00 GMT

@Kachina624 wrote:
The Q card is managed by Synchrony Bank which just skirts the law between ethical and not. I had a card with Evine which they also handle and in 3 months they made a total mess of my account. I cut the card up and would not consider using the account again. The interest rate is atrocious.

@Kachina624 I don't know what's ethical or not with Synchrony Bank. I have a few cards thru them & never had any problems. I pay my balance in full each month so not worried about their ridiculous interest rate.

Re: Q Card - Worthwhile & Safe?

homedecor1 — Sun, 02 Apr 2017 19:19:40 GMT

I posted earlier I stand corrected (I don't know why it didn't post). This AM I got the email stating if you used your Qcard on any item during Mary's show 4/1 you'd receive a $10 gc for each item.

Sorry, if there was confusion from my post. I don't need anymore kitchen (or anything else from Q) at this time. That was a pretty good incentive to use a Qcard I think.

Re: Q Card - Worthwhile & Safe?

chickenbutt — Sun, 02 Apr 2017 20:24:47 GMT

What I like the Q Card for is just simply to keep track of my QVC purchases. I only have a card because, some 18 years ago, they sent me one. I pay it off every month, of course because as we know 'store cards' always have mega-high interest.

But for something to just keep track of purchases from a given retailer it's very useful. Years ago I did keep a balanace, when I was buying a lot more. But for the last 15 years I don't.

I do the same thing with Amazon (well, except that I get 5% back for all my Amazon purchases on their card). I run a few little other things on it, like Netflix and such, but over all I can know how much I spent in a given month at Amazon. That's where I spend a lot more, but I keep that one paid off, also.

Re: Q Card - Worthwhile & Safe?

shoesnbags — Mon, 03 Apr 2017 00:47:32 GMT

@chickenbutt wrote:
What I like the Q Card for is just simply to keep track of my QVC purchases. I only have a card because, some 18 years ago, they sent me one. I pay it off every month, of course because as we know 'store cards' always have mega-high interest.

But for something to just keep track of purchases from a given retailer it's very useful. Years ago I did keep a balanace, when I was buying a lot more. But for the last 15 years I don't.

I do the same thing with Amazon (well, except that I get 5% back for all my Amazon purchases on their card). I run a few little other things on it, like Netflix and such, but over all I can know how much I spent in a given month at Amazon. That's where I spend a lot more, but I keep that one paid off, also.

@chickenbutt

I'm not sure I understand what you're saying. I don't have a Q card, but all I have to do is click on "my orders" when I'm signed in, and I can see all of my QVC orders . If I want a total for the month, I can certainly add a few numbers. i don't mean to be snarky; I just can't figure out what you're referring to.

Re: Q Card - Worthwhile & Safe?

Lipstickdiva — Mon, 03 Apr 2017 20:34:27 GMT

I have a QCard, an Evine Card and CareCredit which are all through Synchrony Bank and I've never had an issue at all.

I pay close attention to all my purchases and returns though. There was an instance where a return was processed and the next day the next easypay hit so I had to call back to get the proper credit.

The interest rate on any "store" card is horrible but I make sure to pay mine every month. I make sure I don't go overboard so that paying in full becomes an issue.

Re: Q Card - Worthwhile & Safe?

Mominohio — Mon, 03 Apr 2017 22:08:28 GMT

@Kachina624 wrote:
The Q card is managed by Synchrony Bank which just skirts the law between ethical and not. I had a card with Evine which they also handle and in 3 months they made a total mess of my account. I cut the card up and would not consider using the account again. The interest rate is atrocious.

I've had many 'interest free if paid in full monthly' and 'no interest for 12 months' type cards from retailers that use Synchrony, and I've never had one single problem.

I've purchased appliances, home improvements, eyeglasses, and things from Q, all without a single issue, and all without a dime in interest paid.

You do have to have the discipline to pay that balance each month on the Q card because the interest is really high, but I love keeping my Q purchases separate from my regular VISA card. It really allows me to see just how much I'm spending here and reign it in when I need/want to.

Re: Q Card - Worthwhile & Safe?

De Anna — Thu, 13 Apr 2017 03:34:20 GMT

I have never had a problem with my Q card, just make sure to pay bill off every month. Also I ordered the Dyna Trap, was supposed to get a $10 e card, didn't get it. At least thats what hubby said I was supposed to get. Your choice. Good luck.

Re: Q Card - Worthwhile & Safe?

sfnative — Thu, 13 Apr 2017 06:43:48 GMT

@WORKING GAL

There are now a few perks that did not exist when I had mine. Discontinued it, because at one point I needed to talk to the card folks and it was like trying to get through to the Kremlin. Things may have changed since then.

If you don't NEED it, don't get it, would be my advice.