topic Re: EP in Arrears in Community Chat

EP in Arrears

qvcaddition — Thu, 21 Nov 2019 20:38:48 GMT

I was informed my EP that should have been paid on 11/19 was in arrears.

I have paid all my EP'S complete. Nothing has even been late as far a total monthly payment. The EP is suppose to be taken out auto. This was put by me to be paid ahead of time, my last one.

Calling CS doesn't help. She said maybe your card has reached its limit. I just paid the whole thing, spent hours and two days, all listed. Not even close to my credit limit. It finally was taken after hittting the button four times. It's the last 4 o 4.

I told CS, not her fault, but the reason I'm payig everthing in full, is because I'm tired of their mistakes, slow shipping, and in process too long.

HAVE YOU EVER HEARD OF AN EP BEING IN ARREAR? WHO DO THESE PEOPLE HAVE WORK THERE? Glad to be rid of QVC once and for all. Not the same company of 25 years I've been a good customer and never in arrears.

Re: EP in Arrears

kaydee50 — Thu, 21 Nov 2019 20:59:42 GMT

I haven't used EP in years mainly because even though I only bought one item at a time I found it to be a pain to keep track of it. Now I would only use it if I bought an expensive item from QVC which is no longer likely to happen.

I find it interesting that the Q makes such an issue out of EP since obviously it is lending money interest free but I guess it thinks people will buy more with the EP option.

Re: EP in Arrears

GenXmuse — Thu, 21 Nov 2019 21:03:46 GMT

That's great your addiction to QVC. Your wallet will thank you for it!

Re: EP in Arrears

CLHS68 — Thu, 21 Nov 2019 21:04:49 GMT

That sounds like a problem with the bank not QVC as the bank takes the payments.

Re: EP in Arrears

Group 5 minus 1 — Thu, 21 Nov 2019 21:07:14 GMT

What is EP?

Re: EP in Arrears

gidgetgh — Thu, 21 Nov 2019 21:10:56 GMT

@Group 5 minus 1 wrote:
What is EP?

@Group 5 minus 1 - easy pay.

Re: EP in Arrears

Peaches McPhee — Thu, 21 Nov 2019 21:13:32 GMT

EP = easy pay

OP, it sounds like QVC was unable to charge whatever credit card you used when you first bought the item on EP. I'd check with your bank about the credit card, and see if they can track QVC's denied attempts to charge.

(Check if the credit card reached its expiration date.)

Re: EP in Arrears

Meladen — Thu, 21 Nov 2019 21:28:28 GMT

I had this problem once. The issue was that because QVC billed the same amount twice within a short period of time, my bank flagged it as a duplicate charge and rejected it. I think I may have had more than one of the same item on an EP plan at the time. I was able to make the payment later without issue.

Re: EP in Arrears

RollTide2008 — Thu, 21 Nov 2019 21:29:40 GMT

That happened to me when my bank re-issued my card after a fraud alert. I updated the card number on my account but not on my existing easy pays. Customer service was very helpful resolving the issue.

Re: EP in Arrears

millieshops — Thu, 21 Nov 2019 21:43:10 GMT

@kaydee50When there's a credit card problem, I'd deal with the company that holds the card, not with QVC.

I charge close to 99% of everything I buy everywhere; further while I don't use a Q card, I take EZPay every time it's offered without using the Q card. If there's a problem I deal with the bank that holds my card until they tell me it's the selling company that's causing the problem - that has been true only once in over 30 years - and the problem company wasn't QVC!.

Once a company accepts my card as payment, their CS should not have any access to my credit card - none!

Re: EP in Arrears

skatting44 — Thu, 21 Nov 2019 22:38:15 GMT

Some credit cards see multiple charges at duplicate small amt's as possible fraud. The credit card can hold payment till you call them .

Re: EP in Arrears

SilleeMee — Thu, 21 Nov 2019 22:49:06 GMT

I had one item on EP which I had purchased with a cc that was going to expire before the final EPs were paid. I didn't notice the exp date until I looked at my account and saw the order was late in payment status and it said to pay it promptly. All I did was update that cc exp date then the problem just went away.

Re: EP in Arrears

PA Mom-mom — Thu, 21 Nov 2019 22:49:40 GMT

@qvcaddition It happened to me once. I always pay in one payment, but for some reason I missed changing one order to one payment. During the time of the multiple payments, I got an updated card from my bank. This changed the information, and QVC could not recognize the new card. Instead of contacting me, they just cancelled my order for a future delivery of Mrs. Prindable's for my DD. I'm very careful now to use only one payment.

Re: EP in Arrears

sunshine45 — Thu, 21 Nov 2019 22:59:38 GMT

@RollTide2008 wrote:
That happened to me when my bank re-issued my card after a fraud alert. I updated the card number on my account but not on my existing easy pays. Customer service was very helpful resolving the issue.

yes, i had this same issue @RollTide2008 .

when i went in to check my easy pays that were not on my qvc card i noticed some "past due" balances. they tried to authorize my old card instead of the updated card.

it was easily taken care of online. i changed the card and went through and paid the past due amounts online.

Re: EP in Arrears

hckynut — Fri, 22 Nov 2019 03:24:27 GMT

@qvcaddition

I have no clue what EP means.

hckynut

Re: EP in Arrears

Trinity11 — Fri, 22 Nov 2019 03:35:03 GMT

@hckynut wrote:

@qvcaddition

I have no clue what EP means.

hckynut

Hi @hckynut ...hope your wife is healing and getting better every day.

EP is in reference to Easy Pays. The OP got a notice from QVC she was in arrears. Sometimes a bank won't authorize something because they think it is suspicious activity. I have had it happen to me and once you call them and authorize the charge, they will give the merchant the go-ahead.

Re: EP in Arrears

Cakers3 — Fri, 22 Nov 2019 13:37:39 GMT

@qvcaddition Sorry-I didn't see the update. Glad it all worked out for you.

Re: EP in Arrears

qvcaddition — Fri, 22 Nov 2019 05:20:26 GMT

@Cakers3

@Cakers3 wrote:
@qvcaddition The bank is responsible for your credit card, not QVC. It isn't up to anyone working there to see why your payment didn't post. The CS people wouldn't even be able to do that, anyway.

If you are talking about the Q card, that is a different story.

Yes the Q card. It got straighten out . All paid off.

Re: EP in Arrears

qvcaddition — Fri, 22 Nov 2019 05:22:40 GMT

@PA Mom-mom

@PA Mom-mom wrote:
@qvcaddition It happened to me once. I always pay in one payment, but for some reason I missed changing one order to one payment. During the time of the multiple payments, I got an updated card from my bank. This changed the information, and QVC could not recognize the new card. Instead of contacting me, they just cancelled my order for a future delivery of Mrs. Prindable's for my DD. I'm very careful now to use only one payment.

All paid off now. No more EP,S.

Re: EP in Arrears

qvcaddition — Fri, 22 Nov 2019 05:30:14 GMT

@skatting44

@skatting44 wrote:
Some credit cards see multiple charges at duplicate small amt's as possible fraud. The credit card can hold payment till you call them .

Well the my bank has the full amt. To send tomorrow. I will call them and HSN. The bank already sent full payment to HSN and took it out of my checking.

I just got caught up on EP though I payed In full every month. Ep CAN be dangerous.