topic Re: HSN CREDIT CARD - BEWARE! in Community Chat

HSN CREDIT CARD - BEWARE!

eddyandme — Thu, 10 Aug 2017 18:19:59 GMT

Just wanted to note this, in case some of you are like me and totally disregard the credit card 'legalese': HSN's Comenity-Mastercard customers are now being charged interest on easy-pays not yet billed!

Got my bill yesterday and noticed this was the second month in a row that I was charged interest. Noticed this in July, but was couple dollars and being busy, it slipped my mind and just paid bill in full without question. Yesterday, noticed my interest year-to-date was almost five dollars! Called Comenity customer service and told the rep that there must be a problem with their payment processing. She explained to me that effectve in July, we are getting interest charges on easy-pays not yet billed to our accounts! I stated my disapproval and she said she's been getting quite a few calls from customers who pay their bill in full monthly. I'm assuming those who run a balance just aren't aware of this practice. So, I immediately closed out my card then notified HSN's customer service dept. The rep I spoke with there was quite surprised and was going to forward this info to their managment.

Anyways, just wanted to make any cardholders aware. Guess I'll only do easy-pays with my Qcard from now on as QVC does not do this!

Re: HSN CREDIT CARD - BEWARE!

bonnielu — Thu, 10 Aug 2017 18:30:36 GMT

Thanks for the warning. I however do not do easy pay. I cannot keep track of it and am uncomfortable not being able to pay up when I buy. I also got rid of my Q card. I could not handle the nastiness of the bank or banks they deal with. About two years ago I paid my bill in full, returned one item for the next billing cycle and bought a few more things. In any case the payment and the bill crossed (timing). I was dinged for not paying the entire bill that next month. (which was a zero balance) QVC agreed I was paid up. The BANK reported me to the credit bureau after only 20 days of mix up. They would not give in. The credit bureau saw the problem and took me off of the HIT LIST (AS I CALL IT). Not going there anymore. I prefer my Visa card and they protect me from unfair practices from the get go.

Re: HSN CREDIT CARD - BEWARE!

Ibby114 — Thu, 10 Aug 2017 18:31:53 GMT

@eddyandme wrote:
Just wanted to note this, in case some of you are like me and totally disregard the credit card 'legalese': HSN's Comenity-Mastercard customers are now being charged interest on easy-pays not yet billed!

Got my bill yesterday and noticed this was the second month in a row that I was charged interest. Noticed this in July, but was couple dollars and being busy, it slipped my mind and just paid bill in full without question. Yesterday, noticed my interest year-to-date was almost five dollars! Called Comenity customer service and told the rep that there must be a problem with their payment processing. She explained to me that effectve in July, we are getting interest charges on easy-pays not yet billed to our accounts! I stated my disapproval and she said she's been getting quite a few calls from customers who pay their bill in full monthly. I'm assuming those who run a balance just aren't aware of this practice. So, I immediately closed out my card then notified HSN's customer service dept. The rep I spoke with there was quite surprised and was going to forward this info to their managment.

Anyways, just wanted to make any cardholders aware. Guess I'll only do easy-pays with my Qcard from now on as QVC does not do this!

Thank you for this post- I always do easy pay, I figure just lay out a few dollars to see if the item if going to work for you.

I questioned interest to them recently and they agreed to credit me. But the credit was a lot smaller than what I expected and I haven't followed up with them yet.

I pay the statement balance each month and couldn't figure out what the interest was- I kept thinking - in haste- I must have missed paying the complete statement balance a couple of times. Wow, this is beyond sl**zy of Comenity Bank!!

Re: HSN CREDIT CARD - BEWARE!

croemer — Thu, 10 Aug 2017 18:37:17 GMT

WTHeck...I am actually outraged they are doing this! I do not have cards for Q etc...nor store credit cards...guess that is wise?

Re: HSN CREDIT CARD - BEWARE!

SilleeMee — Thu, 10 Aug 2017 18:38:39 GMT

So my question is...how do you avoid paying the interest? I always pay my balance off monthly so interest does not accrue.

Re: HSN CREDIT CARD - BEWARE!

croemer — Thu, 10 Aug 2017 18:40:15 GMT

Sounds like no way to avoid...if you use easy pay?

Re: HSN CREDIT CARD - BEWARE!

SilleeMee — Thu, 10 Aug 2017 18:42:40 GMT

It just doesn't seem right. I'll have to take a closer look at my statement next time I'm billed the Flexpay from HSN.

Re: HSN CREDIT CARD - BEWARE!

eddyandme — Thu, 10 Aug 2017 18:44:11 GMT

@SilleeMee wrote:
So my question is...how do you avoid paying the interest? I always pay my balance off monthly so interest does not accrue.

@SilleeMee

The only way to avoid the interest is to not use HSN easy pays.

Re: HSN CREDIT CARD - BEWARE!

jackiejenny — Thu, 10 Aug 2017 18:45:26 GMT

The highly skeptical part of my brain told me not to get either credit card from HSN or QVC.

Always trust your instincts.

Re: HSN CREDIT CARD - BEWARE!

SilleeMee — Thu, 10 Aug 2017 18:45:49 GMT

ARRRGGG!!

Re: HSN CREDIT CARD - BEWARE!

Carmie — Thu, 10 Aug 2017 18:47:40 GMT

I have an HSN CC and there are easy pays on it. I always pay my bill in full as soon as it it posted ( I get an e-mail) so my bill is paid before the paper bill arrives.

i just looked at my July and August statements on line. I was charged zero interest. I have also paid zero interest for 2017.

Re: HSN CREDIT CARD - BEWARE!

SilleeMee — Thu, 10 Aug 2017 18:51:30 GMT

Well, I just took care of it...I went and changed all my Flexpays to be billed on another card not HSN's cards. Hope I don't have to worry about it now.

Re: HSN CREDIT CARD - BEWARE!

eddyandme — Thu, 10 Aug 2017 18:53:55 GMT

@Carmie wrote:
I have an HSN CC and there are easy pays on it. I always pay my bill in full as soon as it it posted ( I get an e-mail) so my bill is paid before the paper bill arrives.

i just looked at my July and August statements on line. I was charged zero interest. I have also paid zero interest for 2017.

@Carmie

I can only tell you what I was told by the bank's customer service rep: as I was convenced it was a processing error, I was shocked to find out this new practice that only went into effect in July. Can't understand why paying online would make a differnce, unless it's a glitch in the bank's system since it's a relatively new practice.

Re: HSN CREDIT CARD - BEWARE!

eddyandme — Thu, 10 Aug 2017 19:00:56 GMT

@Carmie

Oh, forgot to mention, I also pay thru my bank's website. All payments are done electronically.

I cancelled my HSN card but perhaps you could update us in case there's a way to get around Comenity's new policy. I just prefer not to do business with such a despicable bank.

Re: HSN CREDIT CARD - BEWARE!

elated — Thu, 10 Aug 2017 19:05:46 GMT

I don't have their MasterCard. Just have HSN credit card and pay in full each month. I have never received an interest charge. Maybe this only pertains to MasterCard. I looked at my statement for this month and no interest has ever been charged.

Re: HSN CREDIT CARD - BEWARE!

Carmie — Thu, 10 Aug 2017 19:17:44 GMT

@eddyandme wrote:
@Carmie wrote:
I have an HSN CC and there are easy pays on it. I always pay my bill in full as soon as it it posted ( I get an e-mail) so my bill is paid before the paper bill arrives.

i just looked at my July and August statements on line. I was charged zero interest. I have also paid zero interest for 2017.

@Carmie

I can only tell you what I was told by the bank's customer service rep: as I was convenced it was a processing error, I was shocked to find out this new practice that only went into effect in July. Can't understand why paying online would make a differnce, unless it's a glitch in the bank's system since it's a relatively new practice.

I pay my CC bill right on the HSN website by transferring funds from my bank. It's not automatic. I only have their CC for their merchandise, not the MasterCard.

if I was charged interest on future postings, I would not tolerate it. That can't possible be legal. How can they charge you for something that hasn't been posted to your cc account yet?

Re: HSN CREDIT CARD - BEWARE!

eddyandme — Thu, 10 Aug 2017 19:24:12 GMT

@elated wrote:
I don't have their MasterCard. Just have HSN credit card and pay in full each month. I have never received an interest charge. Maybe this only pertains to MasterCard. I looked at my statement for this month and no interest has ever been charged.

@elated. I had their Mastercard so it probably doesn't affect you.

Re: HSN CREDIT CARD - BEWARE!

eddyandme — Thu, 10 Aug 2017 19:29:25 GMT

@Carmie wrote:
@eddyandme wrote:
@Carmie wrote:
I have an HSN CC and there are easy pays on it. I always pay my bill in full as soon as it it posted ( I get an e-mail) so my bill is paid before the paper bill arrives.

i just looked at my July and August statements on line. I was charged zero interest. I have also paid zero interest for 2017.

@Carmie

I can only tell you what I was told by the bank's customer service rep: as I was convenced it was a processing error, I was shocked to find out this new practice that only went into effect in July. Can't understand why paying online would make a differnce, unless it's a glitch in the bank's system since it's a relatively new practice.
I pay my CC bill right on the HSN website by transferring funds from my bank. It's not automatic. I only have their CC for their merchandise, not the MasterCard.

if I was charged interest on future postings, I would not tolerate it. That can't possible be legal. How can they charge you for something that hasn't been posted to your cc account yet?

@CarmieI was speaking in regard to the Mastercard whichis thru Comenity Bank. I also questioned how could charging interest on something not billed on statement yet and was told the bank notified cardholders of this new policy a few months ago and that it would go into effect in July. Guess credit card companies can get away with anything nowadays as long as they post notice.

Re: HSN CREDIT CARD - BEWARE!

Ibby114 — Thu, 10 Aug 2017 19:30:52 GMT

On the HSN credit card they're charging interest on future easy pays - it's unethical to charge interest on goods and services that were not yet invoiced. I pay my statement balance in full each month and was charged almost $13 interest for July & August! I just changed my credit card on file and sent an email to HSN corporate about this. It's really making me question doing business with them- this is so unethical. And sneaky!

Re: HSN CREDIT CARD - BEWARE!

eddyandme — Thu, 10 Aug 2017 19:43:26 GMT

@Ibby114 wrote:
On the HSN credit card they're charging interest on future easy pays - it's unethical to charge interest on goods and services that were not yet invoiced. I pay my statement balance in full each month and was charged almost $13 interest for July & August! I just changed my credit card on file and sent an email to HSN corporate about this. It's really making me question doing business with them- this is so unethical. And sneaky!

@Ibby114

Are you referring to the HSN-Mastercard - that's what I had - but just realized from other posters that HSN has a regular card, not a Mastercard with Comenity. From what has been mentioned here, it seems this practice is not happening with the HSN "store" card. I'm nt sure if HSN was aware of Comenity Bank's new practice 'cause the HSN rep I spoke with yesterday was totally unaware so was definitely forward to management.