topic Re: Q Card in Community Chat

Q Card

hovis — Thu, 02 Aug 2018 22:44:59 GMT

I went to puchase the TSV today. When I went to order they said I couldn't use my Q Card. I asked why. They said since I hadn't used it 18 months it was no longer good and that I would have to get a new one. I said no. So I charged on one of my other cards. I f I didn't want the TSV so bad I would have told the girl to forget it. And cancel the order. So if you don't use the card in a certain amount of time they take it away. Well they lost a customer that might have come back but not nowl.

Re: Q Card

Equuleus — Thu, 02 Aug 2018 22:47:51 GMT

It's not QVC's fault, it's the bank that suppies the card, Synchrony. I had two other stores that did the same thing to me.

Re: Q Card

Kachina624 — Thu, 02 Aug 2018 22:50:19 GMT

I think that's pretty much standard practice in the credit industry. Use it or lose it.

Re: Q Card

blackhole99 — Thu, 02 Aug 2018 23:02:47 GMT

That's good to know, I don't use my QCard that much and if I didn't use it for 18 months and it was cancelled, I no doubt would not get another.

Re: Q Card

jannabelle1 — Thu, 02 Aug 2018 23:08:35 GMT

I suppose you could say they took your card away, but really, the bank that issued the card apparently deactivated it for non-use. A card that isn't used makes them no money in interest charges. Credit cards issued for use only at specific companies like QVC or HSN sometimes have more stringent rules when it comes to non-use.

Re: Q Card

SahmIam — Thu, 02 Aug 2018 23:41:58 GMT

Yeah, I don't see the reason to bash QVC for a bank choosing to close a card that hasn't been used in almost 2 years. It's not the only bank that does that; it's happened to me with other bank cards.

Re: Q Card

handygal2 — Thu, 02 Aug 2018 23:18:35 GMT

Any bank that intends to cancel a card for non-use should notify the customer in advance. Having a card revoked without prior notification is unacceptable, IMO.

Re: Q Card

PinkyPetunia — Thu, 02 Aug 2018 23:27:08 GMT

I'm pretty sure the terms of use agreement allow the bank to cancel the card/account without notifying the cardholder. This happened to me years ago. I had a Sears credit card and it was canceled for inactivity.

Re: Q Card

millieshops — Thu, 02 Aug 2018 23:41:16 GMT

I'd also think this has nothing to do with QVC. I'd think it's Synchrony's responsibility to notify. There's probably some statement in the 5 or 6 pages of fine print that came with the card. I read plenty of things others might not, but I'd admit to not reading those pages from any company.

I had a card cancelled a few years ago- an ordinary bank Visa from Chase. I think I remember correctly that they gave me notice, but I'm really not sure. Obviously I didn't need that card, so the only reason I cared was that for some reason they'd given me a high credit limit and I was concerned about my FICA, but losing the card had very little effect and then for almost no time.

Re: Q Card

GCR18 — Fri, 03 Aug 2018 01:13:52 GMT

I had a home depot card closed for no use.

Re: Q Card

software — Fri, 03 Aug 2018 01:30:57 GMT

So does it still show up on your credit report?

When a new department store moved to town, I applied for their card but never used it. I know it had to be 2-3 years ago.

It's still listed as active on my credit report.

@hovis wrote:
I went to puchase the TSV today. When I went to order they said I couldn't use my Q Card. I asked why. They said since I hadn't used it 18 months it was no longer good and that I would have to get a new one. I said no. So I charged on one of my other cards. I f I didn't want the TSV so bad I would have told the girl to forget it. And cancel the order. So if you don't use the card in a certain amount of time they take it away. Well they lost a customer that might have come back but not nowl.

Re: Q Card

ID2 — Fri, 03 Aug 2018 10:01:05 GMT

I got a notice in the mail awhile ago about my Q card being cancelled if I didn't use it by whatever date. I don't buy from the Q anymore so its no skin off my nose. I've been meaning to cancel the card anyway.

Re: Q Card

Nataliesgramma — Fri, 03 Aug 2018 10:52:02 GMT

Like the other poster said....stores do this too...

Re: Q Card

Blingqueen023 — Fri, 03 Aug 2018 11:35:03 GMT

that’s standard from any company. Nordstrom did the same thing because I wasn’t using their card. I also had that happen from a Visa card for not using it. Qvc is no different.

Re: Q Card

Mominohio — Fri, 03 Aug 2018 12:02:39 GMT

This is routine with most cards.

I rarely shop at Macy's or JC Penney and I've had to open multiple accounts as when I visit and try to charge, the cards have aged out and been closed.

I was told it helps prevent fraud and theft.

Regardless, the card is issued by another company (synchrony?), and it is their rules you are subject to in using the credit.

It takes just a few seconds to open an account, I don't really see the problem when this simply follows industry standards.

Re: Q Card

Lipstickdiva — Fri, 03 Aug 2018 15:08:17 GMT

Yep, as others have said, it happened to me and DH too. He had a Lowes card that was closed for non-use. He didn't know it until he went to use it. He opened another account.

I had a Sears card years ago and first the credit limit was greatly reduced because I wasn't using the card, then it was closed completely for non-use.

I just closed my Q Card on my own. I canceled the HSN card last year, now the Q Card and Evine will be next.

Re: Q Card

gidgetgh — Fri, 03 Aug 2018 15:13:29 GMT

@software wrote:
So does it still show up on your credit report?

When a new department store moved to town, I applied for their card but never used it. I know it had to be 2-3 years ago.

It's still listed as active on my credit report.

@hovis wrote:
I went to puchase the TSV today. When I went to order they said I couldn't use my Q Card. I asked why. They said since I hadn't used it 18 months it was no longer good and that I would have to get a new one. I said no. So I charged on one of my other cards. I f I didn't want the TSV so bad I would have told the girl to forget it. And cancel the order. So if you don't use the card in a certain amount of time they take it away. Well they lost a customer that might have come back but not nowl.

@software- it takes years for it to drop off.

Re: Q Card

RespectLife — Fri, 03 Aug 2018 15:16:10 GMT

If you are concerned about your credit rating, NEVER close a card on your own.

It lowers your 'Open Available Credit' and thus lowers your rating.

Let THEM close you! That has no affect.

If your credit rating doesn't matter at this point in your life...then it is a mute point! LOL