topic Re: QCard Rip Off in Q Talk

QCard Rip Off

Jackyl — Fri, 22 May 2026 12:09:05 GMT

I paid my $79 bill off in April. This month, I get a bill for $2 for interest. I called and asked what this charge was for, I paid off my bill the previous month. I was told it was interest was from the first of the month. I asked the rep to remove this charge and she said no. I canceled the card. I was charged $2 for nothing. Rip off.

Re: QCard Rip Off

Ainhisg — Fri, 22 May 2026 12:51:28 GMT

Did you pay it off after the due date? If so, interest would be on the balance from the due date until you paid it off.

Re: QCard Rip Off

Judaline — Fri, 22 May 2026 12:14:20 GMT

@Jackyl wrote:
I paid my $79 bill off in April. This month, I get a bill for $2 for interest. I called and asked what this charge was for, I paid off my bill the previous month. I was told it was interest was from the first of the month. I asked the rep to remove this charge and she said no. I canceled the card. I was charged $2 for nothing. Rip off.

I ended my Q Card when I was charged 25.00 by Synchrony for being late on my payment. (I wasn't) The next month, same thing. I emailed them and never heard back. That was it for me. Turns out I'm glad I don't have the card anymore. Way too tempting.

Re: QCard Rip Off

Effie54 — Fri, 22 May 2026 12:32:09 GMT

I had the same issue I paid my Q card well in advance (as soon as I received it - it went out the next day). They claimed they did not receive the payment until the day after it was due. They charge me $40 for interest and another fee. I called them and spoke to a representative, who gave me some money off. I filed a claim with the Federal Trade Commission against them and got a full refund. If you look at the reviews, Synchrony Bank is known for it's deceptive practices of billing interest in late fees, even for good customers.

Re: QCard Rip Off

Judaline — Fri, 22 May 2026 12:36:17 GMT

@Effie54 wrote:
I had the same issue I paid my Q card well in advance (as soon as I received it - it went out the next day). They claimed they did not receive the payment until the day after it was due. They charge me $40 for interest and another fee. I called them and spoke to a representative, who gave me some money off. I filed a claim with the Federal Trade Commission against them and got a full refund. If you look at the reviews, Synchrony Bank is known for it's deceptive practices of billing interest in late fees, even for good customers.

REALLY! I thought I was their only patsy.Good for you, girl! I hope QVC reads these posts!

Re: QCard Rip Off

RescueLover — Fri, 22 May 2026 12:47:44 GMT

@Effie54 🌸

WOW I guess I’m lucky. I’ve never had a problem with Synchrony.

But I’m enrolled in the automatic payments that pays off my balance each month.

I don’t take a chance on the mail anymore ! Especially now days that they changed the post mark policy.

Years ago i mailed a check for payment that didn’t make it in time to LL bean and they charged me a $40 late fee.

I called and they removed it as a courtesy, since I had never been late before.

I can’t imagine what LL Beans Late fee is NOW. 😳

NOT to mention the cost of a stamp ! 🥴

I had no idea they were up to 78 cents now. That can add UP FAST !!

Re: QCard Rip Off

Blondie59 — Fri, 22 May 2026 12:49:40 GMT

I had the same issue with Symphony bank! They issue our CareCredit card. My husband had three impants, quite a hefty bill at the dentist. I paid a chunk before the the next month's billing cycle began, so Symphony charged a late fee on the next month's bill. I called, complained and got to a Supervisor. I said this practice wasn't documented in the agreement and I would be reporting them for deceptive practices. I got the late charge and interest removed. I am very careful about using the card going forward.

Re: QCard Rip Off

Blondie59 — Fri, 22 May 2026 12:51:10 GMT

Oops... I meant Syncrony bank. Blasted spellcheck!

Re: QCard Rip Off

nyc1 — Fri, 22 May 2026 12:56:47 GMT

I just noticed the same thing!!!! I changed all my Auto Ships to PayPal and am SHREDDING my Q CARD. I'm a QVC customer since DAY ONE... 40 years. DONE WITH THE CARD!

Re: QCard Rip Off

Patriot3 — Fri, 22 May 2026 13:14:55 GMT

I never had any bad dealings w/my Q and HSN cards because I only used them when they had a credit for opening an account.

After that, never used them again. I don't like Synchrony Bank and I will continue to use the credit card I have always used.

Re: QCard Rip Off

cjm61 — Fri, 22 May 2026 13:48:03 GMT

I've never had an issue with my Qcard nor Synchrony. I pay off my balance every month and have never been overcharged. In this day and age I would never pay a credit card bill by mail either. Too many factors that could cause a delay.

I have benefited from the little perks of having the card @Jackyl . No issues. I'm unclear if you paid that $2 but if you didn't, that ding on your credit could become a problem in the future.

Re: QCard Rip Off

pattypeep — Fri, 22 May 2026 15:25:38 GMT

@Jackyl I cancelled my Q card when they started charging 1.99 to mail out our bills.

Re: QCard Rip Off

quilter61 — Fri, 22 May 2026 15:39:12 GMT

I had this happen to me with my Macy's charge card. I paid my bill online way before the due date in full. Got a statement the next month with an interest charge. I contacted them and they did remove the charge. I always pay online so I can see that the payment was credited on the date I paid.

Re: QCard Rip Off

Pecky — Fri, 22 May 2026 17:24:54 GMT

I have had that happen with a few cc I have when I pay it off. I was told that interest still accrue which I always fight to get it removed since I paid it in full. Here is the explanation I found regarding this.

This is usually due to residual interest (also called trailing interest) — interest that accrues between the day your statement closes and the day your payment actually posts

Re: QCard Rip Off

Mombo1 — Fri, 22 May 2026 18:19:36 GMT

@cjm61 wrote:
I've never had an issue with my Qcard nor Synchrony. I pay off my balance every month and have never been overcharged. In this day and age I would never pay a credit card bill by mail either. Too many factors that could cause a delay.

I have benefited from the little perks of having the card @Jackyl . No issues. I'm unclear if you paid that $2 but if you didn't, that ding on your credit could become a problem in the future.

@cjm61 I don't shop as much as I used to... but I keep my Q card for the little perks too. I have never had an issue and have been happy with most purchases.... I also never carry a balance because the interest rate is much too high for me. And as for paying anything through the mail... never! I paid an insurance bill by check once and it was lost in the mail. It cost me $35.00 to stop payment by my bank...Plus if someone steals the check...they have my account info. So...as you said...too many factors to consider. Only on-line bill pay for me and well ahead of due date...

Re: QCard Rip Off

Judaline — Fri, 22 May 2026 18:24:13 GMT

@Pecky wrote:
I have had that happen with a few cc I have when I pay it off. I was told that interest still accrue which I always fight to get it removed since I paid it in full. Here is the explanation I found regarding this.
This is usually due to residual interest (also called trailing interest) — interest that accrues between the day your statement closes and the day your payment actually posts

It's usually a couple of bucks so I sometimes add that to my payment (paying entire balance) so they won't send me another bill saying balance 2.50. But of course they do. You really can't win.

Re: QCard Rip Off

LTT1 — Sat, 23 May 2026 00:16:35 GMT

@Jackyl @Judaline @Mombo1 @quilter61 @quilter61

Every month Macys sends my CREDIT BILL of $

-.42

[so they actually OWE me]‼️

and written beside the amount in red letters is something worded about "you can pay this off...etc"

I can't remember but they make it sound desperate.

LOL

Re: QCard Rip Off

Tori3569 — Sat, 23 May 2026 02:24:25 GMT

I have never had a single issue with my Q Card or Care Credit card. I get the email with the statement, click on it then and pay it. No extra interest, no late charges, no surprises.

Re: QCard Rip Off

San Antonio Gal — Sat, 23 May 2026 04:57:59 GMT

I've not had any issues with my Q card and have not had to pay any interest or misc fees thus far.

Re: QCard Rip Off

Roscoe the Rascal — Sat, 23 May 2026 11:38:37 GMT

No issues either and I pay all my bills on line or have them set up on auto payment. Last check I wrote was for the plumber.

I don't carry any credit card balances either and they charge way too much interest. I was not always that way and learned my lesson over the years. I always paid on time but not always the total balance. Not a bargain if you are paying interest over and over.