topic Re: Q card extended payment plan. in Community Chat

Q card extended payment plan.

Bookbabe — Sun, 18 Jun 2017 01:52:55 GMT

I put the i Rumba on the nine month payment plan which I figured would be about $45. a month. I was surprised to see they billed me the whole $402, amount on my Q card so I called them. This is what he told me and I just want to pass it along because many of you might be thinking like I did that is was like easy pay.

It is not easy pay. They bill the whole charge on your card. What you have to do is when you pay the regular charges your money goes to that. Then whatever is left is applied to the nine month payment. I had charges of $210. which I paid and then added $90 which goes toward the Rumba. This is fine with me but I think many of us might still think this is like easy pay and it is not.

So i hope this info helps.

Bookbabe

Re: Q card extended payment plan.

GCR18 — Sun, 18 Jun 2017 02:11:50 GMT

That's interesting. I bet it's because it's offered by the card, not the q. Thanks for the info. I tried to use it once and got a message saying something to the effect I wasn't qualified. I didn't care that much about it and used six easy pays instead.

Re: Q card extended payment plan.

Snowhite714 — Sun, 18 Jun 2017 02:13:15 GMT

@Bookbabe wrote:
I put the i Rumba on the nine month payment plan which I figured would be about $45. a month. I was surprised to see they billed me the whole $402, amount on my Q card so I called them. This is what he told me and I just want to pass it along because many of you might be thinking like I did that is was like easy pay.
It is not easy pay. They bill the whole charge on your card. What you have to do is when you pay the regular charges your money goes to that. Then whatever is left is applied to the nine month payment. I had charges of $210. which I paid and then added $90 which goes toward the Rumba. This is fine with me but I think many of us might still think this is like easy pay and it is not.

So i hope this info helps.

Bookbabe

@Bookbabe Thank you the clarification. I was actually on the phone just last evening with the bank questioning how I'd be billed for items purchased with the special financing option and it was not explained to me quite that way, but I figured I'd wait until I get my first statement to see.

Re: Q card extended payment plan.

kivah — Sun, 18 Jun 2017 03:38:43 GMT

I just can't imagine trying to figure out what ur paying for on ur credit card-- especially when u return items. It's very challenging. I never used EZ - prefer to pay my bill in full each month. I rarely buy anything lately - as my large closet is FULL.

Re: Q card extended payment plan.

Kachina624 — Sun, 18 Jun 2017 04:35:22 GMT

Seems to me that you ought to have the easy pay option if you want it. This Synchrony Bank will use every trick in the book to get some interest charges on this Roomba. You should be given the option.

Re: Q card extended payment plan.

Kachina624 — Sun, 18 Jun 2017 04:39:04 GMT

@Bookbabe It's not rumba like the dance; it's Roomba like the robot

Re: Q card extended payment plan.

Bookbabe — Sun, 18 Jun 2017 16:31:23 GMT

@Snowhite714 wrote:
@Bookbabe wrote:
I put the i Rumba on the nine month payment plan which I figured would be about $45. a month. I was surprised to see they billed me the whole $402, amount on my Q card so I called them. This is what he told me and I just want to pass it along because many of you might be thinking like I did that is was like easy pay.
It is not easy pay. They bill the whole charge on your card. What you have to do is when you pay the regular charges your money goes to that. Then whatever is left is applied to the nine month payment. I had charges of $210. which I paid and then added $90 which goes toward the Rumba. This is fine with me but I think many of us might still think this is like easy pay and it is not.

So i hope this info helps.

Bookbabe
@Bookbabe Thank you the clarification. I was actually on the phone just last evening with the bank questioning how I'd be billed for items purchased with the special financing option and it was not explained to me quite that way, but I figured I'd wait until I get my first statement to see.

Snowhite- me to I am waiting for the next statment to see how it is handled.

Re: Q card extended payment plan.

Bookbabe — Sun, 18 Jun 2017 16:33:17 GMT

@Kachina624 wrote:
@Bookbabe It's not rumba like the dance; it's Roomba like the robot

HaHa you are right but everyone knew what I meant.

Re: Q card extended payment plan.

shell garden — Sun, 18 Jun 2017 16:36:17 GMT

@Bookbabe wrote:
@Kachina624 wrote:
@Bookbabe It's not rumba like the dance; it's Roomba like the robot
HaHa you are right but everyone knew what I meant.

Well, the Roomba dances around the room gracefully like the "Rumba"...so, same thing, lol.

Re: Q card extended payment plan.

fortune — Mon, 19 Jun 2017 02:38:14 GMT

@Bookbabe wrote:
I put the i Rumba on the nine month payment plan which I figured would be about $45. a month. I was surprised to see they billed me the whole $402, amount on my Q card so I called them. This is what he told me and I just want to pass it along because many of you might be thinking like I did that is was like easy pay.
It is not easy pay. They bill the whole charge on your card. What you have to do is when you pay the regular charges your money goes to that. Then whatever is left is applied to the nine month payment. I had charges of $210. which I paid and then added $90 which goes toward the Rumba. This is fine with me but I think many of us might still think this is like easy pay and it is not.

So i hope this info helps.

Bookbabe

@Bookbabe

How stupid for QVC to design a payment plan without informing the customers (and customer service people) how it works. Why couldn't it be like Easy Pay but divided up into 9 or 12 payments--would that be too much to ask?????????

Re: Q card extended payment plan.

Snowhite714 — Tue, 20 Jun 2017 02:05:50 GMT

@fortune wrote:
@Bookbabe wrote:
I put the i Rumba on the nine month payment plan which I figured would be about $45. a month. I was surprised to see they billed me the whole $402, amount on my Q card so I called them. This is what he told me and I just want to pass it along because many of you might be thinking like I did that is was like easy pay.
It is not easy pay. They bill the whole charge on your card. What you have to do is when you pay the regular charges your money goes to that. Then whatever is left is applied to the nine month payment. I had charges of $210. which I paid and then added $90 which goes toward the Rumba. This is fine with me but I think many of us might still think this is like easy pay and it is not.

So i hope this info helps.

Bookbabe
@Bookbabe wrote:
I put the i Rumba on the nine month payment plan which I figured would be about $45. a month. I was surprised to see they billed me the whole $402, amount on my Q card so I called them. This is what he told me and I just want to pass it along because many of you might be thinking like I did that is was like easy pay.
It is not easy pay. They bill the whole charge on your card. What you have to do is when you pay the regular charges your money goes to that. Then whatever is left is applied to the nine month payment. I had charges of $210. which I paid and then added $90 which goes toward the Rumba. This is fine with me but I think many of us might still think this is like easy pay and it is not.

So i hope this info helps.

Bookbabe
@Bookbabe
How stupid for QVC to design a payment plan without informing the customers (and customer service people) how it works. Why couldn't it be like Easy Pay but divided up into 9 or 12 payments--would that be too much to ask?????????

@fortune You are so right in your comment. But that is not the case. @Bookbabe Received my statement today and there is no (clear) explanation about the payment process for this "special financing." And since I am so uncomfortable with this lack of clarity I will be paying for these items in full, not looking to pay any finance charges or having any issues, so I'll be paying in full. QVC you can have your special financing.

Re: Q card extended payment plan.

Moonchilde — Tue, 20 Jun 2017 02:42:48 GMT

@fortune wrote:
@Bookbabe wrote:
I put the i Rumba on the nine month payment plan which I figured would be about $45. a month. I was surprised to see they billed me the whole $402, amount on my Q card so I called them. This is what he told me and I just want to pass it along because many of you might be thinking like I did that is was like easy pay.
It is not easy pay. They bill the whole charge on your card. What you have to do is when you pay the regular charges your money goes to that. Then whatever is left is applied to the nine month payment. I had charges of $210. which I paid and then added $90 which goes toward the Rumba. This is fine with me but I think many of us might still think this is like easy pay and it is not.

So i hope this info helps.

Bookbabe
@Bookbabe wrote:
I put the i Rumba on the nine month payment plan which I figured would be about $45. a month. I was surprised to see they billed me the whole $402, amount on my Q card so I called them. This is what he told me and I just want to pass it along because many of you might be thinking like I did that is was like easy pay.
It is not easy pay. They bill the whole charge on your card. What you have to do is when you pay the regular charges your money goes to that. Then whatever is left is applied to the nine month payment. I had charges of $210. which I paid and then added $90 which goes toward the Rumba. This is fine with me but I think many of us might still think this is like easy pay and it is not.

So i hope this info helps.

Bookbabe
@Bookbabe
How stupid for QVC to design a payment plan without informing the customers (and customer service people) how it works. Why couldn't it be like Easy Pay but divided up into 9 or 12 payments--would that be too much to ask?????????

I don't see any point to this, or any benefit to the consumer. If it's charged in total up front, it's not measured payments, which is why people want Easy Pay and etc. I'd rather use my own CC or bank account or Paypal (or even Easy Pay) than turn myself into a pretzel trying to figure out just how I'm being skwoowed and by whom.

Re: Q card extended payment plan.

Bookbabe — Wed, 21 Jun 2017 01:50:37 GMT

@Snowhite714 wrote:
@fortune wrote:
@Bookbabe wrote:
I put the i Rumba on the nine month payment plan which I figured would be about $45. a month. I was surprised to see they billed me the whole $402, amount on my Q card so I called them. This is what he told me and I just want to pass it along because many of you might be thinking like I did that is was like easy pay.
It is not easy pay. They bill the whole charge on your card. What you have to do is when you pay the regular charges your money goes to that. Then whatever is left is applied to the nine month payment. I had charges of $210. which I paid and then added $90 which goes toward the Rumba. This is fine with me but I think many of us might still think this is like easy pay and it is not.

So i hope this info helps.

Bookbabe
@Bookbabe wrote:
I put the i Rumba on the nine month payment plan which I figured would be about $45. a month. I was surprised to see they billed me the whole $402, amount on my Q card so I called them. This is what he told me and I just want to pass it along because many of you might be thinking like I did that is was like easy pay.
It is not easy pay. They bill the whole charge on your card. What you have to do is when you pay the regular charges your money goes to that. Then whatever is left is applied to the nine month payment. I had charges of $210. which I paid and then added $90 which goes toward the Rumba. This is fine with me but I think many of us might still think this is like easy pay and it is not.

So i hope this info helps.

Bookbabe
@Bookbabe
How stupid for QVC to design a payment plan without informing the customers (and customer service people) how it works. Why couldn't it be like Easy Pay but divided up into 9 or 12 payments--would that be too much to ask?????????
@fortune wrote:
@Bookbabe wrote:
I put the i Rumba on the nine month payment plan which I figured would be about $45. a month. I was surprised to see they billed me the whole $402, amount on my Q card so I called them. This is what he told me and I just want to pass it along because many of you might be thinking like I did that is was like easy pay.
It is not easy pay. They bill the whole charge on your card. What you have to do is when you pay the regular charges your money goes to that. Then whatever is left is applied to the nine month payment. I had charges of $210. which I paid and then added $90 which goes toward the Rumba. This is fine with me but I think many of us might still think this is like easy pay and it is not.

So i hope this info helps.

Bookbabe
@Bookbabe wrote:
I put the i Rumba on the nine month payment plan which I figured would be about $45. a month. I was surprised to see they billed me the whole $402, amount on my Q card so I called them. This is what he told me and I just want to pass it along because many of you might be thinking like I did that is was like easy pay.
It is not easy pay. They bill the whole charge on your card. What you have to do is when you pay the regular charges your money goes to that. Then whatever is left is applied to the nine month payment. I had charges of $210. which I paid and then added $90 which goes toward the Rumba. This is fine with me but I think many of us might still think this is like easy pay and it is not.

So i hope this info helps.

Bookbabe
@Bookbabe
How stupid for QVC to design a payment plan without informing the customers (and customer service people) how it works. Why couldn't it be like Easy Pay but divided up into 9 or 12 payments--would that be too much to ask?????????
@fortune You are so right in your comment. But that is not the case. @Bookbabe Received my statement today and there is no (clear) explanation about the payment process for this "special financing." And since I am so uncomfortable with this lack of clarity I will be paying for these items in full, not looking to pay any finance charges or having any issues, so I'll be paying in full. QVC you can have your special financing.

Me too I totally agree with you. statement not due for awhile.

Re: Q card extended payment plan.

gabstoomuch — Wed, 21 Jun 2017 03:10:19 GMT

Same thing on HSN or Evine's card. "9 month financing" only works well on a zero balance card. Without making any more CC purchases the whole 9 months.

Whatever payment you make goes to the original balance on the card, then whatever is left over goes to the 9-month no interest purchase.

They do not say that when they lure you into that way of paying. I found out the hard way on a HSN purchase a couple years ago. I had to pay the balance plus a little more to get rid of the previous charges before I was actually paying for the large purchase.

I have always wanted to warn people, but felt it was not really my business. I feel bad when people get trapped like that. If someone had a $500 balance before they put another large purchase on their card, they would most likely have a hard time ever getting to "no interest".