topic Re: How do you feel about Easy Pay? in Fashion

How do you feel about Easy Pay?

Trudey — Tue, 07 Jun 2016 23:17:59 GMT

I had never thought much about Easy Pay until I realized that I had entered the "easy pay abyss". When ordering, I usually just hit "speed buy" and use my q card as my default payment method...automatic 3 easy pays. Then there are the 4 easy pays and 5 easy pays and I realize that I'm still paying for something that I bought for a prior season. I am on a mission. Once all of my easy pays are paid, I am not ordering anything else with payments. I think this is a slippery slope that can make many of us shop more than we should. What do you think?

Re: How do you feel about Easy Pay?

SeaMaiden — Tue, 07 Jun 2016 23:44:48 GMT

It does not matter to me. I pay my credit card off in full each month. Sometimes I do easy pay, other times I do not. I do not have nor want a Q card.

Re: How do you feel about Easy Pay?

Julie928 — Tue, 07 Jun 2016 23:23:58 GMT

I totally agree! I purchased quite a few of both the Barbara King & Compass Home privacy fences. I purchased so many of them I decided to put them on easy pay. Now don't get me wrong, I love what I bought but I am also still paying for things I purchased a couple of months back. Like you, once my easy pays are paid off anything & everything I buy from the Q will be paid for all at once, up front, finished and done! One more month to go...... :-)

Re: How do you feel about Easy Pay?

spent2much — Tue, 07 Jun 2016 23:30:35 GMT

I don't have a Q card and probably never will. I just use my credit card. I never use easy pay. I click on "speed buy" and when the next window pops up, I click on "I would like to review the order total (with shipping and handling and applicable tax included) or edit my order before I submit it." I change the easy pay (automatically selected) to one payment.

Re: How do you feel about Easy Pay?

skuggles — Tue, 07 Jun 2016 23:31:58 GMT

I'm not drinking the easy pay kool-aid!

Re: How do you feel about Easy Pay?

docsgirl — Tue, 07 Jun 2016 23:32:20 GMT

I have never used Easy Pay and view it as a trap that can ensnare many who aren't careful. While each person is responsible for his/her spending, some people find EP something that draws them in and before they know it, they're in over their heads. EP doesn't reduce the price in any way; it just spreads the payments out. I would prefer to see lower prices, especially for those of us who pay their credit cards in full at the end of the month. Just my opinion. docsgirl

Re: How do you feel about Easy Pay?

GCR18 — Tue, 07 Jun 2016 23:36:22 GMT

I only use it when I buy something over $75. I usually end up pulling the payments ahead. I can see how it can get out of hand if you don't pay attention.

Re: How do you feel about Easy Pay?

AKgirl2 — Tue, 07 Jun 2016 23:41:24 GMT

Personally not a fan of easy pay, I prefer to pay in full always...in my opinion, I feel it makes people buy more. Easy pay may make it more affordable for lots of people, but if you tend to throw caution to the wind, you can get yourself into a financial mess...I feel easy pay is an enabler for lots of people who otherwise might not purchase the item(s).

Re: How do you feel about Easy Pay?

Mmsfoxxie — Tue, 07 Jun 2016 23:43:26 GMT

While I use easy pay sometimes, I really don't like it. I check my credit card almost daily because once someone did a couple of unauthorized charges. I hate seeing a pending charge only to find out it's a QVC easy pay payment that I had forgotten about.

Re: How do you feel about Easy Pay?

Kitlynn — Tue, 07 Jun 2016 23:58:43 GMT

I think easy pay is a great idea and it is nice to have the option if it is something you really need or want and is a high ticket item. The only think I feel like happens to a lot of people is that they don't realize how fast those easy pays add up then when they get their bill they are shocked at how much it is from all those payments on different items that is due. I have never used it myself but I think if someone can really use it wisely then it would be a good option.

Re: How do you feel about Easy Pay?

hoosieroriginal — Wed, 08 Jun 2016 00:00:22 GMT

I quit purchasing in March and my bank account is thriving! At the end of the month I would wonder where all my money went - TO EASY PAYS OF COURSE! Should I ever purchase again, it will be full price.

Re: How do you feel about Easy Pay?

BARBIE100 — Wed, 08 Jun 2016 00:07:49 GMT

I do not use it but it is nice to know that the option is there.

Re: How do you feel about Easy Pay?

QVCkitty1 — Wed, 08 Jun 2016 00:08:57 GMT

I have used easy pay a few times, but it always makes me a little uncomfortable. I just don't like seeing that partial payment on my CC. statement. I really don't like the way they promote it constantly.

Re: How do you feel about Easy Pay?

Porcelain — Wed, 08 Jun 2016 00:19:31 GMT

I don't have a problem with using Easy Pays. When I use that option, I log the payment amount and number of reoccurances in my bill calendar program so I can easily see when it will come out in the future. Subscription payments of any kind are not nice surprises!

This is the website for the program I use: Budget Calendar. http://www.mishell.ca/ Not fancy or pretty, but it gets the job done beautifully. They should sell it on QVC.

Where I imagine people could get tripped up is if they buy an expensive item on autodelivery, and then the autodelivery schedule occurs faster than the Easy Pay schedule. Like if you were set up to receive a cosmetics kit or food item every three months, but it had 5 easy payments on it. Eventually you could find yourelf with double or triple payments in the same month! Yikes.

Re: How do you feel about Easy Pay?

Snicks1 — Wed, 08 Jun 2016 00:29:49 GMT

I have never used it. I guess it is good that it is there if you want or need to use it.

Re: How do you feel about Easy Pay?

Iwantcoffee — Wed, 08 Jun 2016 00:45:10 GMT

I hate debt and making payments.

Re: How do you feel about Easy Pay?

Mz iMac — Wed, 08 Jun 2016 00:56:45 GMT

Makes no difference to me. I always pay by check.

Re: How do you feel about Easy Pay?

Trix — Wed, 08 Jun 2016 02:06:55 GMT

I'm not against Easy Pay, but I do think there should be a minimum total which is eligible for it. For an $800 computer, or even a $100 skincare set, easy pay is a nice thing, but when I see items that are $30 with five easy pays it makes me dislike the plan.

I don't know if this is for every flex pay item, but I've noticed HSN sometimes offers the customer a choice of how many flex payments they want. A recent item I ordered had these options: 2 or 3 flex with regular credit cards; and 2, 3 or 4 with HSN card.

Re: How do you feel about Easy Pay?

okaywitheasypay — Wed, 08 Jun 2016 02:33:03 GMT

o.k.

Re: How do you feel about Easy Pay?

IMW — Wed, 08 Jun 2016 02:39:47 GMT

Totally agree. I don't use a Q card, but with a regular card the default

is easy pay. I edit it every time. I feel the easy pays are deceptive. I don't really know what I owe.

Easy pays are a way to enable people to spend when they don't have it. Of course not everyone who uses easy pay is in this group, but many are. It allows charging when your close to being maxed out.

My opinion of it would be different if it was necessary to put necessaries on installments. Then of course it could be helpful.