topic Re: QCard in Community Chat

QCard

sweetkelly — Mon, 28 Jan 2019 19:52:39 GMT

I am very upset about my Q card...Initailly my minimum payment due was $25 on the three or four items i purchased with it. NO problem! I accidently paid it a couple of days late. There is usually some kind of grace period. It was an ACCIDENT. I signed up for email statements only. I was not receiving them, (maybe in my email trash) but continued to pay the $25 month as i thought i should automatically through my bank. Due to the late fee being charged...the minimum went up. Then, becuase of that, I ended up with another late fee.........since i was sending in what I thought was my minimum. AAAARRRGH! yes, I am responsible......i get that. Just know that this card is not user friendly , in my experience. I hope others of you have had a more postive experience, but I am providing you with a cautionary note...do not pay this bill one second late...ever. Late fee is $37 x 5 for me. I am now paying more in late fees than i did for my products. Account is now closed.

Re: QCard

Mominohio — Mon, 28 Jan 2019 19:58:16 GMT

It really is up to the consumer to understand the due dates, grace periods (if any) and be able to get their bill paid by the agreed upon methods and times.

This just sounds like a bunch of whining from someone who didn't follow through on their end of the agreement in a credit card transaction.

Re: QCard

Kachina624 — Mon, 28 Jan 2019 19:58:49 GMT

@sweetkelly. I refuse to do business with that Synchrony Bank. I think most of the US retailers have credit cards handled by them. Their policies border on the unethical. They surely caught you in their trap

Re: QCard

Susan-QVC — Mon, 28 Jan 2019 20:00:53 GMT

This post has been removed by QVC argumentative

Re: QCard

sweetkelly — Mon, 28 Jan 2019 20:05:03 GMT

Thanks for understanding. Lesson learned for sure. It is my fault and I am responsible...I just wanted to be sure to WARN others with my post. Ill be sticking iwth ez pay from now on.... I urge everyone to do the same.

Re: QCard

Nightowlz — Mon, 28 Jan 2019 20:10:55 GMT

If you are in good standing with them call & ask for a one time exempt for the late fee.

I had that happen to me once in my life. I don't remember the circumstances but I called & they deducted it from our account since it had never happened before & we have excellent credit. Never paid anything late. We have never paid a late fee. We pay ours in full each month. Not paying that outrageous ridiculous interest they charge which should be against the law IMO.

I have to keep on top of our bills because we are also on paperless statements. You are right they don't always send you an email when your statment is ready.

I don't understand why so many have problems with Synchrony Bank. I have several accounts that are with them. Never had any problems.

Re: QCard

Krimpette — Mon, 28 Jan 2019 20:17:28 GMT

All this stuff is computerized these days. I pay some of my bills on line. On one occasion, I typed in the incorrect payment amount. My recollection is that I was short by 5 cents. When my next bill came, there was a late fee. I immediately called the credit card company and they, of course, waived the fee. All the computer knew was that I didn't pay my bill in full on time. I am very diligent about watching my credit card bills to be sure I don't do something like that again.

Re: QCard

sweetkelly — Mon, 28 Jan 2019 20:30:23 GMT

i dont think it has been argumentative. i think you don't want people toknow about the bank.

Re: QCard

on the bay — Mon, 28 Jan 2019 20:33:11 GMT

@sweetkelly-

I have read many awful experiences with synchrony bank that a lot of large retailers use.

Still, I would call and ask for it to be taken off as it was your fist time.

I have never had a bank or credit card refuse this as a first time mistake.

It wouldn't hurt to try.

Re: QCard

Nightowlz — Mon, 28 Jan 2019 20:46:01 GMT

@Krimpette wrote:
All this stuff is computerized these days. I pay some of my bills on line. On one occasion, I typed in the incorrect payment amount. My recollection is that I was short by 5 cents. When my next bill came, there was a late fee. I immediately called the credit card company and they, of course, waived the fee. All the computer knew was that I didn't pay my bill in full on time. I am very diligent about watching my credit card bills to be sure I don't do something like that again.

@Krimpette

Yes that's why I say she should at least call & ask to have it waived.

Last year when my dad passed away I had to pay things before we left. 1 more charge came through on our Visa which did not get paid. The did not charge us any interest on the amount left unpaid.

I also paid my gas bill to the electric company once. LOL!!! Had my head up my rear I guess. They did not charge me a late fee either.

Re: QCard

chickenbutt — Mon, 28 Jan 2019 20:46:43 GMT

I'm not sure I understand the confusion about what the minimum due was at any given time (as, obviously, that will change when the balane is higher), When you go onto your account online, it tells you for that month's statement how much the minimum due is.

My biggest piece of advise (FWIW) is to never just make a minimum payment on credit cards.

I get that many people cannot pay their balances off each month, but try to pay more than the minimum, especially is one is carrying a multi-hundred or multi-thousand dollar balance.

I used to carry balances on credit cards, so I know how it is and it's a drag to keep paying interest over and over, every month, on basically the same balance.

Many years ago they just sent me Q Card for which I never applied. Ok, cool. I used to buy a lot back then (20yrs ago) and I did carry a balance. But store cards carry such high interest that as soon as I was able I moved to only spending what I could pay off each month and, trust me, you will be happy to find yourself there in the long run.

Re: QCard

Nightowlz — Mon, 28 Jan 2019 20:48:08 GMT

@Kachina624 wrote:
@sweetkelly. I refuse to do business with that Synchrony Bank. I think most of the US retailers have credit cards handled by them. Their policies border on the unethical. They surely caught you in their trap

@Kachina624

How do their policies border on unethical?

I have several accounts with them.

We pay our bills in full each month.

Never had any issues with them?

Re: QCard

chickenbutt — Mon, 28 Jan 2019 20:50:33 GMT

@Nightowlz wrote:
@Kachina624 wrote:
@sweetkelly. I refuse to do business with that Synchrony Bank. I think most of the US retailers have credit cards handled by them. Their policies border on the unethical. They surely caught you in their trap
@Kachina624

How do their policies border on unethical?
I have several accounts with them.
We pay our bills in full each month.
Never had any issues with them?

I've had the same same experience as Nightowlz. I know I have at least 2 or 3 active accounts that have moved to Synchrony Bank.

Re: QCard

Nightowlz — Mon, 28 Jan 2019 20:53:44 GMT

@chickenbutt

Bingo!!! Your the Winner!!! I could not have said it any better.

I think most of us have been there when we were younger working paycheck to paycheck.

I tried to give you multiple hearts but it won't let me. LOL!!!

We learned the high interest game early on when we young & bought a sofa bed with ridiculous interest. Our credit union told us they would loan us the money & give us a check to pay off that loan shark deal on the sofa bed. LOL!!! We did not have any credit at the time.

Re: QCard

CLHS68 — Mon, 28 Jan 2019 21:15:48 GMT

I have never had a problem with them either. I never pay just the minimum that racks up interest charges. You can always view your bill online and see what you owe and when it is due. Did you even read the terms & conditions of your card? It spells everything out & what it will cost if your payment is late. Late payment fees will affect your credit report.

Re: QCard

Mominohio — Mon, 28 Jan 2019 21:50:11 GMT

@Kachina624 wrote:
@sweetkelly. I refuse to do business with that Synchrony Bank. I think most of the US retailers have credit cards handled by them. Their policies border on the unethical. They surely caught you in their trap

This has never been my experience with Synchrony. I have had probably a dozen accounts with them over the years. Every time we make a big home purchase at some place like Lowes or Home Depot, Lens Crafters or the carpet store here that offers 12 months no interest, we take advantage of that with their card handled by Synchrony. I've never been mis billed, had an error, been charged a fee that wasn't due etc. I've never experienced a billing mistake, even when we have three accounts with different retailers through Synchrony all at the same time.

We choose to pay the balance off during the promotional period and have never paid one cent interest or any fees other than the amount billed from the company we contracted with. We do this even when we could pay cash for the item/service, as it lets us keep our money earning interest, and builds our credit score.

I have always been happy with the service from Synchrony. I've never seen a trap. I see people who can't read their bill or aren't disciplined enough to get payments made correctly and on time.

Re: QCard

Love my grandkids — Mon, 28 Jan 2019 22:21:16 GMT

Hint to the OP: Make it a habit to check your Spam folder so you don't miss things like financial statements. Just a thought.

Re: QCard

maluk — Mon, 28 Jan 2019 22:47:07 GMT

why don't u sign up for auto pay and u won't have to worry about it

Re: QCard

BN MI — Mon, 28 Jan 2019 22:52:33 GMT

SYNCHRONY BANK is the worst credit card co. My story: A couple years ago somone cleaned out my checking account Bank of America over $10,000.00. My QCard bill was the only one to bounce. I wrote another check under my US Bank checking account a few days after the due date in December to cover the full amount due $364.00. I did not put my account number on the US Bank Check. They cashed it and it took months to convince QVC and Synchrony Bank that Bank of America and US Bank were different bank accounts. To this day i do not have any Synchrony Bank Credit Cards. I order very little from QVC still upset by the mix up. December until February it took to clear this up. It took 7 days to get the $10,000.00 back and I closed that account. No longer bank with Bank of America.

Re: QCard

Sage04 — Mon, 28 Jan 2019 23:43:08 GMT

@sweetkelly, you said you paid your account automatically through your Bank. Didnt you see the amount due when you clicked on to the Synchrony account that you set up to make the payments?