topic 5 EP seldom in Q Talk

5 EP seldom

Kitty Galore — Wed, 15 Apr 2026 14:18:17 GMT

I guess I got used to mostly 5 EP'S for so long and now they mostly offer 2 , 3 once in awhile . At first I wasn't liking it , but now I find myself pausing and thinking it through before hitting place order. It gives me time to consider before impulsively buying. So saves me money and not as many returns.

I do like the 5 EP'S when they do show up so can use on something I may have had my eye on that msy be a little pricey though.

Re: 5 EP seldom

cjm61 — Wed, 15 Apr 2026 14:44:40 GMT

I understand your point but for me personally @Kitty Galore , if I see something but I must have 5 easy payments to afford it, I probably shouldn't buy it.

I really like how sometimes HSN offers several options, 1 payment or 2,3,4 and sometimes 5 easy payments. I prefer 2 payments, sometimes but rarely 3 payments.

Re: 5 EP seldom

RespectLife — Wed, 15 Apr 2026 15:18:14 GMT

Since I have and use my Q card for all puchases, I still get 5 EZ Pays on everything everyday.

Re: 5 EP seldom

Mombo1 — Wed, 15 Apr 2026 16:18:59 GMT

@cjm61 wrote:
I understand your point but for me personally @Kitty Galore , if I see something but I must have 5 easy payments to afford it, I probably shouldn't buy it.

I really like how sometimes HSN offers several options, 1 payment or 2,3,4 and sometimes 5 easy payments. I prefer 2 payments, sometimes but rarely 3 payments.

@cjm61 I agree with you. Five easy pays just prolongs the debt...so I don't use that option. Considering the way things are today..I think twice before buying. Want vs. need.

Re: 5 EP seldom

Kachina624 — Wed, 15 Apr 2026 16:47:08 GMT

I vastly prefer 2 or 3 Easy Pays over 5. I don't want to make payments on a purchase for 5 months. I've often NOT BOUGHT an item because I didn't want all those payments and there was no alternative like HSN offers.

Re: 5 EP seldom

elated — Wed, 15 Apr 2026 17:36:51 GMT

I think the 5 easy pays was a good option because you have the opportunity to use it and then pay it off at any point. You were not locked in but now it is 2 or 3 and buyers are walking away instead of purchasing. I think they just shot themselves in the foot for many buyers who don't want their Q card. Do I think it will help them financially to crawl out of their deep financial crisis, I seriously doubt it.

Re: 5 EP seldom

Pecky — Wed, 15 Apr 2026 18:39:45 GMT

It is a nice option. You can always pay it off anytime you want.

Re: 5 EP seldom

Kitty Galore — Thu, 16 Apr 2026 01:21:58 GMT

@RespectLife wrote:
Since I have and use my Q card for all puchases, I still get 5 EZ Pays on everything everyday.

@RespectLife @I just don't wish to have a Q card. Been pre approved in the past , but have passed on it . Dont need another cc.

Re: 5 EP seldom

San Antonio Gal — Thu, 16 Apr 2026 01:47:50 GMT

@Kitty Galore wrote:
@RespectLife wrote:
Since I have and use my Q card for all puchases, I still get 5 EZ Pays on everything everyday.
@RespectLife @I just don't wish to have a Q card. Been pre approved in the past , but have passed on it . Dont need another cc.

@Kitty Galore @RespectLife - I really like the little perks from the Q card. I also like keeping my Q purchases separate from my other credit cards.

I'll take 5 EP. Doesn't bother me one bit. Pay the Q card off each month. Works for me.

Re: 5 EP seldom

Grade1Teach — Thu, 16 Apr 2026 09:14:40 GMT

I loved the 5 easy pay option. It allowed me to make more purchases and pay them off over time (or earlier if I chose to). I was also able to buy things that were a little bit pricier, without feeling it.

The 2 easy pay option has me thinking twice and I haven't really purchased much of anything since they changed over to that. However, it is nice to be done paying off something in two months.

Re: 5 EP seldom

CalminHeart — Thu, 16 Apr 2026 11:42:06 GMT

Q needs the money sooner than 5 months.

Q filed Chapter 11 bankruptcy yesterday.

Re: 5 EP seldom

Kitty Galore — Thu, 16 Apr 2026 13:47:14 GMT

@CalminHeart that is most likely the reason why the change.

Re: 5 EP seldom

Kitty Galore — Thu, 16 Apr 2026 13:55:23 GMT

@San Antonio Gal wrote:
@Kitty Galore wrote:
@RespectLife wrote:
Since I have and use my Q card for all puchases, I still get 5 EZ Pays on everything everyday.
@RespectLife @I just don't wish to have a Q card. Been pre approved in the past , but have passed on it . Dont need another cc.

@Kitty Galore @RespectLife - I really like the little perks from the Q card. I also like keeping my Q purchases separate from my other credit cards.

I'll take 5 EP. Doesn't bother me one bit. Pay the Q card off each month. Works for me.

@San Antonio Gal I see your point about keeping Q purchases separate. It doesn't bother me to have the purchases on with others items though.

there is advantages to having an item paid off in 2 billing cycles . If I need 5 EPmaybe I dont need it . I guess when it is offered at some point , and it will , if item I've wanted is still available I'll get it off not then I don't. There is also that option of even paying off the 5 EP earlier as another poster mentioned.

Re: 5 EP seldom

Beammeupscotty — Thu, 16 Apr 2026 13:57:34 GMT

@Pecky wrote:
It is a nice option. You can always pay it off anytime you want.

Exactly.

Re: 5 EP seldom

wagirl — Thu, 16 Apr 2026 14:02:39 GMT

Have to admit--I did like the smaller easy pays--takes less of a chunk out of my account each month but also--am kind of liking the that there is not as many EPs-makes me think more about what I THINK I need as opposed to what I really NEED. I don't buy much here anymore---also think the fewer EPS offered now and the less frequent 5 pays specials offered, is another way to make customers rush to buy more because it seems like such a deal--kind of the same as free shipping has become---all that doesn't influence my decisons what to buy anymore.