topic Re: Applying For A Q Card in Community Chat

Applying For A Q Card

Jordan2 — Wed, 03 Aug 2022 18:32:28 GMT

So about two weeks ago I attempted to apply for a QVC credit card. They always say how easy it is to apply you get approved on the spot. I for some reason didn't get the code they supposedly texted to me so they had to look into my request further. I get a letter today from Synchrony Bank that they need more information from me (I gave them my name, address, SS#, and they have pulled my credit report) what more could they possibly need? So I call and tell her all this and she says they have to verify me. I give her the code on my letter, then she wants a picture of my driver's license and to make a five second video of myself! I say I have gotten a Discover and Capital One card easier than for this QVC card. I told her forget it, I don't want or need your card, no Q Card for me.

Re: Applying For A Q Card

chrystaltree — Wed, 03 Aug 2022 18:36:32 GMT

A video???? I wouldn't have jumped through all those hoops either.

Re: Applying For A Q Card

Etoile308 — Wed, 03 Aug 2022 18:44:36 GMT

I don't understand the need of a video. That would be a hard, no way, from me.

But didn't you post recently that you've moved? Perhaps none of your past credit history has caught up with your new address.

I think if you already have two major credit cards and was considering a third, then I would look for one that had added perks, points or some type of benefit other than an additional Easy Pay.

Re: Applying For A Q Card

millieshops — Wed, 03 Aug 2022 18:49:46 GMT

@Jordan2 I have never seen a request for a video from any company. I have no interest in a Q card, but if I had had and got that request, I would have been annoyed big time!

Any chance somehow a scammer has gotten your info? Maybe send a copy of all you've told us to the mods and get them to confirm it's the ususal request from Synchrony. I'd still not do it, but I'd wonder who has my SS number!

Re: Applying For A Q Card

pieman — Wed, 03 Aug 2022 19:14:12 GMT

I hear you loud and clear with this bank!

My husband and I had just purchased a home in FL and we decided to put in new floors throughout the whole house.

We used that nasty place with the jingle 1-800...........and says, next day installation.

All went well until the phone call to the bank, which this company uses, yep was the same one QVC has for their credit cards..

Now mind you, we paid cash for our home, so we didn't have that over our heads, plus we had used these people up North in our other homes as well, with no problems.

This time they wanted this and that, just like the op had to go through.

That bank is the worst!!

So, as the phone call between the salesman and bank went on, we decided enough, we told the salesman to hang up the phone, we changed out mind,

That's when the bank decided to change their wants and offered us everything on a platter, No thanks, we said.

The salesman lost out as did the bank.

However the mom and pop shop down the road made out just fine.

They were so kind and did the job the next day.

That bank seems to have locked in a great many stores down here, its really a terrible experience to deal with them.

Now anytime we deal with a company we use our own credit card.

QVC cards interests are high, thats why we gave ours up years ago.

You'll be much happier not dealing with that bank..

Have a good day!

Re: Applying For A Q Card

gidgetgh — Wed, 03 Aug 2022 19:28:19 GMT

Can I ask a question? And it's an honest question, not a gotcha question. What is the advantage of getting a Q card? Do you get any perks on it?

On my Talbots card, I get free shipping and accumulate points for $25 reward certificates.

On my J Jill card, I get an extra 5% off every purchase.

On my Macys card, I get free shipping and accumulate points for Star money.

What do you get for having a Q card? And no, I wouldn't have jumped through those hoops to get it either.

Re: Applying For A Q Card

Jordan2 — Wed, 03 Aug 2022 19:29:52 GMT

@Etoile308 wrote:
I don't understand the need of a video. That would be a hard, no way, from me.

But didn't you post recently that you've moved? Perhaps none of your past credit history has caught up with your new address.

I think if you already have two major credit cards and was considering a third, then I would look for one that had added perks, points or some type of benefit other than an additional Easy Pay.

@Etoile308 I have notified most everyone about my change of address, Experian too. Is this where we are now with applying for credit cards? It's a nothing credit card it shouldn't be that difficult to obtain one.

Re: Applying For A Q Card

Kachina624 — Wed, 03 Aug 2022 19:37:22 GMT

@Jordan2 You made a wise decision. You bite off a huge mouthful of trouble with a Q Card. Did you see their interest rates?

Re: Applying For A Q Card

Kachina624 — Wed, 03 Aug 2022 19:42:54 GMT

@pieman I saw a list of retailers who use Sychrony Bank for their accounts. There were well over 200. Virtually every major retailer. Best to just use Visa or Mastercard.

Re: Applying For A Q Card

mspatmac — Wed, 03 Aug 2022 20:06:41 GMT

@gidgetgh

Some may like the Eazy Pay option with no interest on larger purchases. . If you use another card and carry a balance month to month they will accrue interest. Of course most will not admit to carrying a balance so the Q card works better for them.

I use EP until I make sure I am keeping the item so in case of a return I'm not waiting forever for full price refund or credit. You have the option to stick with EP or pay it off in full.

*** The interest rate is horrible so never carry a balance except the no interest EP

Re: Applying For A Q Card

RespectLife — Wed, 03 Aug 2022 19:57:31 GMT

I have a lot of Synchrony cards and have never had an issue with them.

I have never heard of any lending institution, bank etc asking for a video! I would NEVER provide that ! Well, and I don't know how to take videos or send them!

I don't ever pay interest on any purchases, so it doesn't matter to me what % they charge. I feel if I can't pay it off IN FULL when the bill comes, I shouldn't be buying it.

The only perks I can think of with my Q card is a year to pay off a large purchase interest free, higher EZ pay options almost all the time and a very itemized bill.

Other than that...nope...ya git nothing, nada!

However, Synchrony also owns Lowes and we get 5% off every single item we buy (or extended free interest plans on large purchases.

5% adds up!

Re: Applying For A Q Card

mspatmac — Wed, 03 Aug 2022 20:17:46 GMT

@RespectLife wrote:
I have a lot of Synchrony cards and have never had an issue with them.

I have never heard of any lending institution, bank etc asking for a video! I would NEVER provide that ! Well, and I don't know how to take videos or send them!

I don't ever pay interest on any purchases, so it doesn't matter to me what % they charge. I feel if I can't pay it off IN FULL when the bill comes, I shouldn't be buying it.

The only perks I can think of with my Q card is a year to pay off a large purchase interest free, higher EZ pay options almost all the time and a very itemized bill.

Other than that...nope...ya git nothing, nada!

However, Synchrony also owns Lowes and we get 5% off every single item we buy (or extended free interest plans on large purchases.

5% adds up!

@RespectLife

I too have had many Synchrony cards over the years, some have great perks and never had a problem. Some I used for a no interest deals on appliances and some were small stores like Talbot etc. Understanding how to take advantage of credit and especially on extended no interest payments can work to your advantage. You always have the option of making larger payments and paying off in full at any time.

Re: Applying For A Q Card

chickenbutt — Wed, 03 Aug 2022 20:38:53 GMT

@gidgetgh wrote:
Can I ask a question? And it's an honest question, not a gotcha question. What is the advantage of getting a Q card? Do you get any perks on it?

On my Talbots card, I get free shipping and accumulate points for $25 reward certificates.

On my J Jill card, I get an extra 5% off every purchase.

On my Macys card, I get free shipping and accumulate points for Star money.

What do you get for having a Q card? And no, I wouldn't have jumped through those hoops to get it either.

I'm not Jordan, but I would say that there are no perks to this card with QVC . No points or any such thing some cards offer, or discounts.

I have one, but it's only because they sent it to me somewhere around 20 years ago. I've never applied.

The only 'benefit' I can see is just having all purchases with qvc in one place, to keep track of spending. I don't buy much anymore and I also pay my cards off each month so, at least, I'm not paying the crazy amount of interest they charge.

Re: Applying For A Q Card

Jordan2 — Wed, 03 Aug 2022 21:23:18 GMT

If you buy something with a Discover or Capital One card at QVC do you get easy pay or is that only with their card?

Re: Applying For A Q Card

BExplorer — Wed, 03 Aug 2022 21:41:38 GMT

@Jordan2 wrote:
If you buy something with a Discover or Capital One card at QVC do you get easy pay or is that only with their card?

You can use easy pay with any major credit card @Jordan2

Re: Applying For A Q Card

Jordan2 — Wed, 03 Aug 2022 21:47:05 GMT

@BExplorer wrote:
@Jordan2 wrote:
If you buy something with a Discover or Capital One card at QVC do you get easy pay or is that only with their card?
You can use easy pay with any major credit card @Jordan2

@BExplorer thanks, so I guess no big deal not getting a Q Card.

Re: Applying For A Q Card

Mimi NY — Thu, 04 Aug 2022 01:17:30 GMT

@Jordan2 wrote:
So about two weeks ago I attempted to apply for a QVC credit card. They always say how easy it is to apply you get approved on the spot. I for some reason didn't get the code they supposedly texted to me so they had to look into my request further. I get a letter today from Synchrony Bank that they need more information from me (I gave them my name, address, SS#, and they have pulled my credit report) what more could they possibly need? So I call and tell her all this and she says they have to verify me. I give her the code on my letter, then she wants a picture of my driver's license and to make a five second video of myself! I say I have gotten a Discover and Capital One card easier than for this QVC card. I told her forget it, I don't want or need your card, no Q Card for me.

Had the same problem with Shop HQ once, in applying for their credit card , with Synchrony Bank.Kept saying so easy, just today if you open a credit card all shipping is free today, and their shipping is outrageous ,kept saying you could be approved in a few minutes,fell for it went online filled out information and when it came to a video I couldn't believe that ,NEVER EVER had to do that for the many cards I have had over the years,said to myself who would do a video in today's world, deleated my information and within a week got a letter saying I have like 2 weeks to get in touch with them to continue the application, even after deleating the information,and also saw they pulled a credit check,guess they saw I have good credit and wanted me ,well they lost me for sure with that video.

Glad I have held onto my credit cards if that is the new way,under the impression it might just be for shopping channels,sounds like there must be a lot of fraudulent activity , they don't just want SS# but your face too.

Re: Applying For A Q Card

Sage04 — Thu, 04 Aug 2022 01:32:35 GMT

@Jordan2 yes including your Bank Debit Card which I have been using for years.

@Jordan2 wrote:
@BExplorer wrote:
@Jordan2 wrote:
If you buy something with a Discover or Capital One card at QVC do you get easy pay or is that only with their card?
You can use easy pay with any major credit card @Jordan2
@BExplorer thanks, so I guess no big deal not getting a Q Card.

Re: Applying For A Q Card

Sage04 — Thu, 04 Aug 2022 01:37:42 GMT

@Mimi NY wrote:
@Jordan2 wrote:
So about two weeks ago I attempted to apply for a QVC credit card. They always say how easy it is to apply you get approved on the spot. I for some reason didn't get the code they supposedly texted to me so they had to look into my request further. I get a letter today from Synchrony Bank that they need more information from me (I gave them my name, address, SS#, and they have pulled my credit report) what more could they possibly need? So I call and tell her all this and she says they have to verify me. I give her the code on my letter, then she wants a picture of my driver's license and to make a five second video of myself! I say I have gotten a Discover and Capital One card easier than for this QVC card. I told her forget it, I don't want or need your card, no Q Card for me.
Had the same problem with Shop HQ once, in applying for their credit card , with Synchrony Bank.Kept saying so easy, just today if you open a credit card all shipping is free today, and their shipping is outrageous ,kept saying you could be approved in a few minutes,fell for it went online filled out information and when it came to a video I couldn't believe that ,NEVER EVER had to do that for the many cards I have had over the years,said to myself who would do a video in today's world, deleated my information and within a week got a letter saying I have like 2 weeks to get in touch with them to continue the application, even after deleating the information,and also saw they pulled a credit check,guess they saw I have good credit and wanted me ,well they lost me for sure with that video.
Glad I have held onto my credit cards if that is the new way,under the impression it might just be for shopping channels,sounds like there must be a lot of fraudulent activity , they don't just want SS# but your face too.

@Mimi NY and @Jordan2 I was surprised about the video. Never heard this before. If you are approved, you get the approval right away. Someone I know applied last week and was approved right away. I also was years ago instantly.

If you are not approved then, you receive a letter telling you why. This video thing is so strange. I would never do that for sure.

Re: Applying For A Q Card

Jordan2 — Thu, 04 Aug 2022 01:39:50 GMT

@Mimi NY your experience sounds just like mine! Discover, Capital One had no problem issuing me a card (I have other cards), it's ridiculous that a nothing card like this scrutinizes you so.