topic Re: My Q-Year's Resolution in Q Talk

My Q-Year's Resolution

house_cat — Sun, 29 Dec 2019 17:42:42 GMT

No more Easy Pay orders!

I have to begin by saying that I love QVC and I've been extremely happy with almost every purchase.

However, I went into my account history this morning and paid all the Easy Payments that were pending - going through May of 2020.

Yikes!

All those "6 payments of nearly free" add up.

My Q-Year's Resolution is

NO MORE EASY PAY ORDERS.

Do you have a Q-Year's Resolution?

Re: My Q-Year's Resolution

queendiva — Sun, 29 Dec 2019 17:42:33 GMT

My credit card offered 5% cash back on Paypal purchases in the 4th quarter, so I gave my Q card & EP a rest. Good idea. Q rarely offers 2 or 3 EPs any more- all 5 & 6 EPs. Too much- not interested.

Re: My Q-Year's Resolution

Still Raining — Sun, 29 Dec 2019 17:45:31 GMT

Easy Pay is way too hard to monitor. Don't trust them to not over bill.

Re: My Q-Year's Resolution

conlt — Sun, 29 Dec 2019 17:58:41 GMT

I fell into the easy pay trap a while back. They add up and are very hard to keep up with. Someone on these boards used to call them evil pay and I agree with that. I have been using my debit card and paying the full price of the item at once. No easy pays for me.

Re: My Q-Year's Resolution

Tangocash — Sun, 29 Dec 2019 19:15:15 GMT

I don't buy anything without easy pay. I bought so much in this last quarter, Dyson V11 vacuum, Amazon Echo Show5, a sound bar, Amazon Fire Stick TV, Josie Maron stuff, and so on. I could never afford these things without easy pays. The prices were the best I'd ever seen. Now, I'm pretty much done for a while, and will slowly pay all of it off. I don't have any problems, no confusion, about it all. I love it!

Re: My Q-Year's Resolution

blackhole99 — Sun, 29 Dec 2019 19:35:15 GMT

@house_cat wrote:
No more Easy Pay orders!

I have to begin by saying that I love QVC and I've been extremely happy with almost every purchase.

However, I went into my account history this morning and paid all the Easy Payments that were pending - going through May of 2020.

Yikes!

All those "6 payments of nearly free" add up.

My Q-Year's Resolution is
NO MORE EASY PAY ORDERS.

Do you have a Q-Year's Resolution?

@house_cat Are you upset because you are spending too much money? We know nothing is really free, but if you pay your balance on whatever card you use you are not charged interest. I personally like using the banks money for 30 days. I spend way too much money at the Q, but not using easy pay would not deter me. I'd use easy pay from whoever offered it.

Re: My Q-Year's Resolution

GenXmuse — Sun, 29 Dec 2019 19:41:11 GMT

Not having easy pay will also curtail spending for a lot of people. Definitely a positive step!

Re: My Q-Year's Resolution

kaydee50 — Sun, 29 Dec 2019 19:57:37 GMT

Never use easy pay. I did a few times in the past and it was too confusing to keep track of. If I can't pay for it in one payment, I don't buy it.

AND I would never buy a high ticket item, e.g, electronics or a mattress from TV and that's the only time I see easy pay as an advantage, maybe.

Re: My Q-Year's Resolution

handygal2 — Sun, 29 Dec 2019 20:07:12 GMT

Not to buy anything l might need to return, and end up paying for shipping both ways.

Re: My Q-Year's Resolution

faeriemoon — Sun, 29 Dec 2019 20:20:36 GMT

I never use easy pay.

Re: My Q-Year's Resolution

bluetail fly — Sun, 29 Dec 2019 20:58:43 GMT

I have never and will never use easy pay. I remember years ago the first time I saw a presentation offering two easy payments. It was a real shock to me.

Re: My Q-Year's Resolution

handygal2 — Sun, 29 Dec 2019 21:13:33 GMT

Funny how easy-pay is the default setting when ordering online. Those who don’t want it need to be careful, and opt-out of this when checking out.

Re: My Q-Year's Resolution

house_cat — Sun, 29 Dec 2019 21:17:18 GMT

@blackhole99

Most months I pay my CC bill in full, but this month will be different. We had LOTS of expenses, some expected and a couple unforeseen. In any case, the only reason I got this credit card from our Credit Union is because their points system is so good. It'll take me a couple of months to catch back up to $0 balance, but I'll get there. We got into some CC trouble in the 1980s, paid it off and vowed never to let that happen again.

What I only recently realized is that my account is set to default to Easy Pay when I order from my phone. I need to change that.

Re: My Q-Year's Resolution

house_cat — Sun, 29 Dec 2019 21:19:30 GMT

@handygal2

That's a good one, too. I'll add that I resolve to not order anything without reading all the reviews.

Re: My Q-Year's Resolution

hooked on books — Sun, 29 Dec 2019 22:35:30 GMT

Yup, I got caught up in EP and have a large balance that I can't pay off all at once so I'm making monthly paydowns and will try my very best not to use the Q Card when I finally get it paid off!

Re: My Q-Year's Resolution

bluetail fly — Sun, 29 Dec 2019 22:43:04 GMT

@house_cat wrote:
@handygal2

That's a good one, too. I'll add that I resolve to not order anything without reading all the reviews.

Absolutely and thanks for the reminder. I used to place an order before reading the reviews, then cancel if they swayed my opinion of the item. Didn't happen frequently but it did happen.

Now my order is in process and cannot be changed or cancelled as soon as I hang up the phone. Even more irritating is that it can sit in process for days on end, or even switch to backorder status, with still no way to cancel.

Taught me to take the time to read the reviews, which I sort low to high ratings.