topic Re: Initial thoughts on the Q Card in Community Chat

Initial thoughts on the Q Card

Ibby114 — Sun, 27 Dec 2015 17:56:13 GMT

I got the Q card during the Oct promo since they were giving you a $10 ecard- which I never received! I called last month and got a non answer- then asked the rep when my 1st Q Card bill was due. She told me the 1st week of Jan- which is wrong. Synchrony Bank sent me an email and I paid it right away. Today I decided to call Q to find out the status of my ecard- and to also get the late fee credited since I was told the wrong info. Q customer service can't help you with the card- even though the sitet re: the Q card says to call Q customer service! The 'contact us' section re: the card doesn't include an email link- - and Q customer service gave me a Synchrony Bank phone #, but the # is for making a payment! There is a massive disconnect with today's technology and my expectations of customer service. My initial impression with managing this card is really poor.

Re: Initial thoughts on the Q Card

gabstoomuch — Sun, 27 Dec 2015 05:22:34 GMT

The Q does not have anything to do with the workings of the QCard.

But it is easy to manage right from the Q website.

Down the bottom of the front page, way way down the bottom, on the left hand side, there is a line that says "pay your bill" (or something like that).

Go there and register for a login name and password (along with the other info asked for when you go through the "register" questions). It redirects you to the bank that holds the Qcards.

Very easy. You see your bill, you can see what was billed and when, and you can pay it right online.

Re: Initial thoughts on the Q Card

Irshgrl31201 — Sun, 27 Dec 2015 05:48:43 GMT

Doesn't that card carry a 25% interest rate? The last time I ordered which was a while ago they tried to talk me into it and there is no way I would pay that.

Re: Initial thoughts on the Q Card

Pook — Sun, 27 Dec 2015 09:33:53 GMT

@Irshgrl31201 wrote:
Doesn't that card carry a 25% interest rate? The last time I ordered which was a while ago they tried to talk me into it and there is no way I would pay that.

If you pay the entire balance off each month you pay no interest so it's handy to have especially with three value pays for Q card.

Re: Initial thoughts on the Q Card

gidgetgh — Sun, 27 Dec 2015 12:37:58 GMT

I'm not in the market for a new credit card, but a $10 incentive isn't enough to get me to apply for one. Interest rate doesn't concern me as I don't carry balances and I'm not interested in the Easy Pay. And they offer that enough on any credit card you use.

To the OP, I hope they get your ecard situation straightened out for you.

Re: Initial thoughts on the Q Card

GCR18 — Sun, 27 Dec 2015 14:30:07 GMT

There's a phone number printed on the back of the credit card that will get you to the right people. I've had the opportunity to talk with them and they were really nice.

Re: Initial thoughts on the Q Card

Peaches McPhee — Sun, 27 Dec 2015 14:32:06 GMT

I got the q card in October, too. Not only am I due the $10 gift card, but also one for $30 because I got the Dooney TSV in Oct (love it, by the way).

I don't remember exactly when they said I'd get the cards, but I do remember that it was going to take FOREVER. Like early 2016.

As for the interest rate, that doesn't bother me. This is a card that is easy to pay off monthly -- it is not like I'd put an emergency car repair bill on it or something.

Re: Initial thoughts on the Q Card

meem120 — Sun, 27 Dec 2015 14:35:09 GMT

The interest rate is too high..they give you $10.00 off and make alot of $ every month on the interest they charge you IF you dont pay off the balance in full every month. Same thing goes for Target, Pennys, Macys, etc etc. Never fall for that " you can save money" pitch.

Re: Initial thoughts on the Q Card

dooBdoo — Sun, 27 Dec 2015 14:35:41 GMT

The company behind the Q Card (Synchrony Bank, formerly known as GE Capital Retail Bank) has never gotten good reviews, at least from what I've always read and heard. I know this is after the fact, but it's always a good idea to find out which company actually manages a credit card before signing up, because they're the ones who will be answering (or not answering) your requests for help when and if problems arise.

Re: Initial thoughts on the Q Card

bonnielu — Sun, 27 Dec 2015 14:38:09 GMT

I do have the Q card but not sure why. I SEE NO ADVANTAGE. I just keep it and rarely use it.

I will tell you a story. I pay credit cards totally in full each month unless the bill is huge on something that was an emergency. I charged something to the Q card, had to return an item. The payment and the return credit got mixed up in some way. I thought I had paid totally... month lag or so. My name went into the late category... one month mind you and the credit card people sent it to the credit union. Even after the Q explained the mixup... and told me it was their fault the credit card company would not stand by me. It took me six months to straighten it up. Since QVC has changed BANKs but the other one was a nightmare. Bad taste in my mouth for Q cards.. not QVC.

Re: Initial thoughts on the Q Card

dooBdoo — Sun, 27 Dec 2015 14:42:37 GMT

@Ibby114, I don't know if this will be any different from what you've already tried, but here's the info from the GetHuman.com site:

https://gethuman.com/phone-number/Synchrony-Bank

Re: Initial thoughts on the Q Card

Ibby114 — Sun, 27 Dec 2015 18:31:37 GMT

@gabstoomuch wrote:
The Q does not have anything to do with the workings of the QCard.

But it is easy to manage right from the Q website.

Down the bottom of the front page, way way down the bottom, on the left hand side, there is a line that says "pay your bill" (or something like that).

Go there and register for a login name and password (along with the other info asked for when you go through the "register" questions). It redirects you to the bank that holds the Qcards.

Very easy. You see your bill, you can see what was billed and when, and you can pay it right online.

I saw that and registered/paid the bill in full. But there is no place to ask questions, dispute charges, inquire about a charge, etc. The 'contact us' link is a list of addresses to snail mail questions/concerns. The dispute a charge area is a pdf to print and mail the concern to an address! You can do basic things like update an address, request a replacement card- but that’s pretty much it. My Amazon rewards card is accessed on amazon's site, but it’s LINKED to the bank supporting the card for a full scope of customer service issues. Same with my hsn card! Q set up this card in a really antiquated way- it's not how credit cards are maintained on line in this day and age.

Re: Initial thoughts on the Q Card

Ibby114 — Sun, 27 Dec 2015 18:34:44 GMT

@gidgetgh wrote:
I'm not in the market for a new credit card, but a $10 incentive isn't enough to get me to apply for one. Interest rate doesn't concern me as I don't carry balances and I'm not interested in the Easy Pay. And they offer that enough on any credit card you use.

To the OP, I hope they get your ecard situation straightened out for you.

Thanks,it was! The back of the card had a valid phone number for the bank. Amazing how I had to search for it- no where was it on the Q bill!! It's almost as if they're discouraging you from asking questions.... and that doesn't work for me.

Re: Initial thoughts on the Q Card

Ibby114 — Sun, 27 Dec 2015 18:37:45 GMT

@Peaches McPhee wrote:
I got the q card in October, too. Not only am I due the $10 gift card, but also one for $30 because I got the Dooney TSV in Oct (love it, by the way).
I don't remember exactly when they said I'd get the cards, but I do remember that it was going to take FOREVER. Like early 2016.

As for the interest rate, that doesn't bother me. This is a card that is easy to pay off monthly -- it is not like I'd put an emergency car repair bill on it or something.

Back in Oct, Q told me it was going to be 6-8 weeks to get the $10 e card. When I called about it they just credited my account $10, they must be getting a lot of calls!!

Re: Initial thoughts on the Q Card

Ibby114 — Sun, 27 Dec 2015 18:43:46 GMT

@bonnielu wrote:
I do have the Q card but not sure why. I SEE NO ADVANTAGE. I just keep it and rarely use it.

I will tell you a story. I pay credit cards totally in full each month unless the bill is huge on something that was an emergency. I charged something to the Q card, had to return an item. The payment and the return credit got mixed up in some way. I thought I had paid totally... month lag or so. My name went into the late category... one month mind you and the credit card people sent it to the credit union. Even after the Q explained the mixup... and told me it was their fault the credit card company would not stand by me. It took me six months to straighten it up. Since QVC has changed BANKs but the other one was a nightmare. Bad taste in my mouth for Q cards.. not QVC.

Ths is why customer service issues need to be addressed - and not via a 'contact us' or 'disupte a charge' that's a list of addresses to snail mail questions/concerns. To spend all the time to straighten out a credit card bill is nuts, there aren't enough hours in the day as it is!

I only got the card for the $10 ecard- which never came! E-Z pays aren't my thing, so I also think the card has no advantage. I won't be using it as well.

Re: Initial thoughts on the Q Card

chrystaltree — Sun, 27 Dec 2015 18:49:03 GMT

$10 wouldn't be enough incentive for me to open a high interest credit card. The 3 easy pays are just enticement to use the card. I never saw the point of having one. I can use the card I have and pay pay my Q purchase off in full every month.

Re: Initial thoughts on the Q Card

Ibby114 — Sun, 27 Dec 2015 19:26:20 GMT

@chrystaltree wrote:
$10 wouldn't be enough incentive for me to open a high interest credit card. The 3 easy pays are just enticement to use the card. I never saw the point of having one. I can use the card I have and pay pay my Q purchase off in full every month.

I pay in full so the high interest isn't a concern. But old school customer service is! So I won't be using the card.

Re: Initial thoughts on the Q Card

Stray — Sun, 27 Dec 2015 20:18:35 GMT

I've been a long time card holder and financial institutions have changed periodically. I pay in full each month and have no interest charges. When I first went paperless, I mistakenly neglected to pay my bill; there was an interest charge. I called the bank and asked them to check my credit history and that I was sending the total amount as it was a double bill. They lifted the fee. I never had a problem with QVC at all and my few calls to CS were handled politely and correctly.