topic Re: using shophq valuepays in Fashion

using shophq valuepays

betiboop — Wed, 02 Jul 2014 20:34:46 GMT

If you gals out there value your sanity DO NOT USE SHOPHQ valuepays. Here's what they don't tell you when shopping. First, the valuepays are not all exactly the same amount. They round up in their favor. Second, when the rep is telling you "that" went through your credit card, what actually went through is your fist value pay and NOTHING more. It is up to you to be sure you have pen, paper, calculator and calendar available when using valuepays or you will end up losing your sanity paying for the valuepays over and above your credit limit. That's how shophq makes their money. Third, if you can't pay the $200.00 credit card bill plus the $200.00 value pay every month, they will send you to a collection agency that will not only send you one bill but three every month and will try to double and triple bill you, if you aren't paying attention. Thirdly, DO NOT give them another credit card info or they will automatically put your valuepays that don't go through your shophq card on whatever they have on file WITHOUT notifying you. Send them a money order or cashier's check. It's very unfortunate for Kate & Mallory designs, as well as many other exclusive designers because they will undoubtedly lose many customers doing business this way. I paid them off with another credit card, closed my account, cut my card up and DO NOT get anywhere near their channel anymore. Oh, and by the way the credit card company GE Capital/Synchrony WILL NOT help you. You are on your own. I loved many of the clothes and other products I purchased through Shophq but it isn't worth the stress!!!!!!!!!!!!! Buy either directly from the designers or on ebay or amazon.

Re: using shophq valuepays

sage4 — Wed, 02 Jul 2014 21:29:36 GMT

I have 2 Valuepays with them right now and never had a problem. Before I place my order on line, I add the amount of the item and the shipping and divide by the amount of Valuepays for that item. I know exactly what would be charged monthly and when. I also get emails reminding me. You are the first person I know of who has a problem with it.

Re: using shophq valuepays

RoughDraft — Wed, 02 Jul 2014 21:32:05 GMT

Very strange post.

How could all your value pays be the same amount? If you're talking about (as an example), six value pays, your charges will be split six ways plus s/h and tax if applicable. If you buy one $60 item, your vps will be $10 a month for six months. If you buy an item for $100, your vps will be around $16.67 for six months.

Every month, prior to them billing, they send me an e-mail with all charges and easy pays for that month. I have never had a problem.

Re: using shophq valuepays

susan_ca — Wed, 02 Jul 2014 21:43:25 GMT

I have used value payments. When I click on the status of each order, I get the stats of what my charge will be each month; they're not usually exactly the same amount; they're usually a couple of pennies off. If you add all the value payments up, you should get the same amount as the purchase price amount. I think the only shopping network that charges the SAME amount every month is the Q.

I don't understand the OP's rant. If you charge $200 worth of purchases on ANY credit card, shouldn't you have a lot more than $200 as your available credit?!?!?!?! If all you have as your available credit limit is $200, then perhaps ask for a higher credit limit, or make the purchase some other time. My available credit is almost always 75%.

Re: using shophq valuepays

Lipstickdiva — Wed, 02 Jul 2014 21:48:27 GMT

Color me confused.

I use VP and I've never had a problem. I don't have a ShopHQ card.

ShopHQ charges you the first value play PLUS s/h and tax. QVC is the only network I know of that equally divides your s/h and tax. HSN and ShopHQ charge that to you all on your first payment.

After that, your payments are equal installments until possibly the very last payment.

ShopHQ also sends out e-mails every single month letting you know what payments are due to them for that month.

I'm not quite sure what the problem is here.

Re: using shophq valuepays

beckyb1012 — Wed, 02 Jul 2014 21:51:38 GMT

Never had a problem with any of my value pay orders but it has been a couple of years since I used the feature.

Re: using shophq valuepays

susan_ca — Wed, 02 Jul 2014 21:53:47 GMT

I never have any problem either. I know exactly what my payment is each month from all 3 shopping networks. {shrug}

Re: using shophq valuepays

cgil — Wed, 02 Jul 2014 21:56:02 GMT

I buy from there a lot because I am a huge watch addict. I always use the value pays and I have never had a problem. I don't have their ShopHQ card. I don't really see a problem with their channel or their billing. I pay my bills on time. Like other posters said, maybe I am just confused...

Re: using shophq valuepays

brii — Wed, 02 Jul 2014 21:58:34 GMT

I think the OP means that the VP's put her over her credit limit and she is trying to figure out how to pay enough so the VP goes through. I think - lol

Re: using shophq valuepays

CalminHeart — Wed, 02 Jul 2014 21:58:47 GMT

I've been shopping with Shop for many years, using value pay, and never had such a problem.

Methinks there is more to the story than is being told.

Re: using shophq valuepays

CalminHeart — Wed, 02 Jul 2014 21:59:10 GMT

On 7/2/2014 brii said: I think the OP means that the VP's put her over her credit limit and she is trying to figure out how to pay enough so the VP goes through. I think - lol

That isn't ShopHQ's fault.

Re: using shophq valuepays

Lipstickdiva — Wed, 02 Jul 2014 21:59:20 GMT

I think what the OP's problem is, she went over her credit limit on her ShopHQ card and is trying to blame ShopHQ. It seems she thought that when she purchased something on valuepay and the charge went through, she thought it was for the entire amount, when in fact it was only for 1 value pay.

She continued to purchase more, her card got up to the limit and then ShopHQ had to charge her the next months valuepays and there was no room so they wanted her to make a payment in an amount large enough to cover her payment amount plus give her enough open credit for her next valuepays.

Re: using shophq valuepays

Pook — Wed, 02 Jul 2014 21:59:59 GMT

I use value pay a lot there but have never had anywhere near $200 worth of value pays. I also get an itemized account of my value pays monthly in an email prior to the start of the next month so I can see what is owed.

Seems like a compulsive shopping issue that needs to be addressed and not Shop HQ doing anything wrong. OP seems to be making more value pay purchases than she can afford.

Re: using shophq valuepays

brii — Wed, 02 Jul 2014 22:01:26 GMT

It's not ShopHQ's fault - I agree.

Re: using shophq valuepays

BlingQueen022 — Wed, 02 Jul 2014 22:10:31 GMT

There is nothing wrong with my value pays on my bill. They send me a breakdown value pay email telling me how many payments I have left. I keep track, and there has never been one error. I also pay my monthly bill in Full. No problems for me.

Re: using shophq valuepays

MurphiesLaw — Wed, 02 Jul 2014 22:23:23 GMT

I'm sorry but I don't believe this story. In the past few weeks there have been numerous threads by one post posters with complaints about HSN.

Re: using shophq valuepays

gazelle77 — Wed, 02 Jul 2014 22:30:14 GMT

I have been usingShopHQ( value vision, shop NBC...) for 20 some years. Always use value pay. Never had a problem. They even send me a monthly report showing what value pay is due, and what I have left. No questions, no surprises. I wonder why you have such an issue? Are you going over your limit on your card? I pay my balance off every month on my card.

Re: using shophq valuepays

depglass — Wed, 02 Jul 2014 22:32:57 GMT

Sounds like someone is playing too close to the fire.

Re: using shophq valuepays

Colonel Meow — Wed, 02 Jul 2014 22:52:16 GMT

Why would any of the OP's ""points"" be a surprise to her? Isn't this basic consumer math? Anyone who's ever done business with any home shopping company should be familiar with how it works.

Re: using shophq valuepays

Nightowlz — Wed, 02 Jul 2014 23:04:06 GMT

I use ValuePay & never had any problems. You pay the amount of the purchase no more no less they don't overcharge you. That's the most ridiculous thing I have ever heard. You must be maxed out on your card to have problems with them being able to charge your monthly payment. If you paid your balance on any credit card each month you would not have the problems you are having.