topic Re: Why am I still paying on a promotion that should've been paid off long ago? in Customer Care

Why am I still paying on a promotion that should've been paid off long ago?

MissALuvintheQ — Mon, 30 Jul 2018 23:28:46 GMT

Hi. Okay, I'm clearly not understanding how the promotions work. If I bought a ring last year for about $1500 and the minimum payment on the bill each month is around $50, but I send you all WELL over the minimum, like $350, $500 and/or $600 each month (you get the point...always over $100 each month regardless of the amount), WHY ON EARTH do I still owe over $1000 on the ring? Seems like some shady math in my book. Please advise ASAP.

Thanks!

Re: Why am I still paying on a promotion that should've been paid off long ago?

Kachina624 — Mon, 30 Jul 2018 23:33:26 GMT

@MissALuvintheQ. Was the ring charged on a Q card? Whatever credit card you used should be able to answer your question. Once the item is put on a credit card, it's out of Qvc hands and they have no information on your credit accounts.

Re: Why am I still paying on a promotion that should've been paid off long ago?

Annabellethecat66 — Mon, 30 Jul 2018 23:33:33 GMT

@MissALuvintheQ Why are you telling us at this forum? You should take the discripancy up with the company who (I guess) is or isn't overcharging you!

That would make more sense, I would think.

Re: Why am I still paying on a promotion that should've been paid off long ago?

pigletsmom — Mon, 30 Jul 2018 23:38:31 GMT

Well if over 100 means 150 it would take you 10 months to pay it off but I assume there's interest involved so a little longer depending on the interest rate. Plus there was probably tax on it so that's probably another 100 bucks.

So your situation sounds somewhat accurate.

Re: Why am I still paying on a promotion that should've been paid off long ago?

Beth-QVC — Mon, 30 Jul 2018 23:41:13 GMT

@MissALuvintheQ

I am sorry but I do not understand the question. Would you please send an email to QVCSocialTeam@qvc.com and we will assist you directly.

Beth QVC

Re: Why am I still paying on a promotion that should've been paid off long ago?

Leeni — Mon, 30 Jul 2018 23:46:59 GMT

Beth,

you really don't understand her question? Why not contact her?

Re: Why am I still paying on a promotion that should've been paid off long ago?

Kachina624 — Mon, 30 Jul 2018 23:50:12 GMT

@Leeni. Why don't you let Beth handle her own business? There's a reason they have set procedures.

Re: Why am I still paying on a promotion that should've been paid off long ago?

Lady Steam — Mon, 30 Jul 2018 23:50:50 GMT

I understand just what you are saying I had the same problem with a computer purchase. Call Customer Service, they do not explain the extended purchase well on air. If you can call them they will adjust how your payments are applied. Whenever I do them now I call in and make my payments. It was very upsetting for me at first. Good Luck.

Re: Why am I still paying on a promotion that should've been paid off long ago?

jannabelle1 — Tue, 31 Jul 2018 00:28:39 GMT

This post clearly makes no sense...QVC has a credit card company for their own Q card - is this what you used to make the purchase, or, did you use your own bank credit card? Whichever credit card you used, that's who you need to contact.

Re: Why am I still paying on a promotion that should've been paid off long ago?

Warrior2022 — Tue, 31 Jul 2018 03:47:41 GMT

The amount of people that don't understand how credit cards work is astounding.

Re: Why am I still paying on a promotion that should've been paid off long ago?

vickie25 — Tue, 31 Jul 2018 04:14:47 GMT

What I believe the OP is referring to is this:

What is QCard Special Financing™?

QCard Special Financing is a deferred interest financing option - no interest if paid in full within 9, 12 or 18 months. Interest will be charged to your QCard account from the purchase date if the promotional purchase is not paid in full within 9, 12, or 18 months.*
It is only available on select items purchased with the QCard, QVC's exclusive credit card, issued by Synchrony Bank.
With QCard Special Financing, you can purchase the item now and pay no interest if the item is paid in full within the promotional period. The full amount of the item will be charged to your QCard account.
Available financing term length will vary by item.
Minimum monthly payments required.
Purchases are subject to credit approval.

And Ladysteam's comment most likely means that if you already have a balance on your QCard, put a special financing purchase on the QCard, AND send in extra money ASSUMING that will be applied to the QCard financing promotion, it's not. The extra payment is applied to your Non-Promotion balance. Ladysteam was pointing out how QVC doesn't explain how the extra payments are applied and that you need to call the servicer of the QCard to tell them the extra payment amount needs to be applied to the special promotion item.

Re: Why am I still paying on a promotion that should've been paid off long ago?

Warrior2022 — Tue, 31 Jul 2018 04:33:44 GMT

@vickie25 wrote:
What I believe the OP is referring to is this:

What is QCard Special Financing™?
QCard Special Financing is a deferred interest financing option - no interest if paid in full within 9, 12 or 18 months. Interest will be charged to your QCard account from the purchase date if the promotional purchase is not paid in full within 9, 12, or 18 months.*
It is only available on select items purchased with the QCard, QVC's exclusive credit card, issued by Synchrony Bank.
With QCard Special Financing, you can purchase the item now and pay no interest if the item is paid in full within the promotional period. The full amount of the item will be charged to your QCard account.
Available financing term length will vary by item.
Minimum monthly payments required.
Purchases are subject to credit approval.

And Ladysteam's comment most likely means that if you already have a balance on your QCard, put a special financing purchase on the QCard, AND send in extra money ASSUMING that will be applied to the QCard financing promotion, it's not. The extra payment is applied to your Non-Promotion balance. Ladysteam was pointing out how QVC doesn't explain how the extra payments are applied and that you need to call the servicer of the QCard to tell them the extra payment amount needs to be applied to the special promotion item.

Perfect explanation. That is how credit cards work.

Re: Why am I still paying on a promotion that should've been paid off long ago?

bridal_diva — Tue, 31 Jul 2018 14:14:04 GMT

JMO

I have an issue with easy pay and will not ever use it again. When I go to Synchrony bank , I am not allowed to add up the easy pays and pay off the whole balance. It tells me I cannot pay more than the monthly amount due. Do you know how irritating that is? Sometomes these easy pays items seem to keep getting billed well beyond what the last payment due should be.

Only used it twice when ordering something from work where interruptions are constant.

Never again!

And somehow I am only getting paperless statements, which I do not like either. Would rather have a bill in the mail, so I can fully check out my charges without opening up a PDF.

Re: Why am I still paying on a promotion that should've been paid off long ago?

Warrior2022 — Wed, 01 Aug 2018 03:40:07 GMT

@bridal_diva wrote:

JMO
I have an issue with easy pay and will not ever use it again. When I go to Synchrony bank , I am not allowed to add up the easy pays and pay off the whole balance. It tells me I cannot pay more than the monthly amount due. Do you know how irritating that is? Sometomes these easy pays items seem to keep getting billed well beyond what the last payment due should be.

Only used it twice when ordering something from work where interruptions are constant.
Never again!
And somehow I am only getting paperless statements, which I do not like either. Would rather have a bill in the mail, so I can fully check out my charges without opening up a PDF.

I don't know of any credit cards that will let you pay more than 10% of the balance. You can go to your easy pays under your account status and bill them and then you can pay them off.

Been using easy pay for well over 20 years and have never been billed over the last payment. Why? Because there is nothing to bill after the last payment.

You can switch to paper statements on the website.

I hope this helps.

. . .

debic — Wed, 01 Aug 2018 14:13:02 GMT

@MissALuvintheQ

Go into your accounts and check all your payments. Also if you've purchased other stuff in the meantime it will be added to the bill. Even your bank statement should sort this out for you.

Re: Why am I still paying on a promotion that should've been paid off long ago?

debic — Wed, 01 Aug 2018 14:15:49 GMT

@bridal_diva wrote:

JMO
I have an issue with easy pay and will not ever use it again. When I go to Synchrony bank , I am not allowed to add up the easy pays and pay off the whole balance. It tells me I cannot pay more than the monthly amount due. Do you know how irritating that is? Sometomes these easy pays items seem to keep getting billed well beyond what the last payment due should be.

Only used it twice when ordering something from work where interruptions are constant.
Never again!
And somehow I am only getting paperless statements, which I do not like either. Would rather have a bill in the mail, so I can fully check out my charges without opening up a PDF.

That's balony. We pay whatever we want.

Re: Why am I still paying on a promotion that should've been paid off long ago?

MissALuvintheQ — Thu, 02 Aug 2018 15:40:00 GMT

Thank you, Vickie.....you're right, I was ASSUMING the extra would be applied to the promotional balance on the Q card, which clearly isn't the case. So I will call to make sure they apply it accordingly.I appreciate the thoughtful response, unlike some of the others. :-)

Re: Why am I still paying on a promotion that should've been paid off long ago?

keesha123 — Thu, 10 Jan 2019 22:46:33 GMT

A couple things consumers should know before commiting to QVC (Synchrony Bank) Special Financing. In order to make a payment dedicated to your “promotional purchase balance” (separate from your regular minimum monthly QVC credit card payment) you must first make a payment and then PROMPTLY call a QVC credit card account customer service and state how much of that payment you wish to be applied to the promotional purchase/special financing balance. Keep in mind, this must be done every single time you wish to make a payment toward your promotional purchase balance (PPB) AND there is a $10 charge each time a customer service representative assists you with this process over the phone. It is not possible to “split” your payment like this by paying online. You must do it on the phone. Example, if I have a $100 minimum monthly payment and I wish to pay an extra $50 on my PPB, I pay $150 online, then call, explain how I want the payment split, and pay an extra $10 to speak to a human. Every. Darn. Time. The customer service rep explained that the alternative is to call (pay an extra $10 for telephone payment assistance and tell them that you want a previous monthly payment applied to the PPB and that payment will be applied to the PPB, however, that amount will then be added back into your regular credit card balance. As you can see by the length and convolution of this post, there is much to consider and many questions to ask before agreeing to QVC special financing offers. Read the fine print, ask questions, and stay on top of it. Otherwise? The interest accrued during the term of the special financing and gets added into your account if you do not pay the FULL balance of your special finance purchase when the term expires. Good luck!

Re: Why am I still paying on a promotion that should've been paid off long ago?

loriqvc — Thu, 10 Jan 2019 23:16:49 GMT

@keesha123 - Welcome to the Community! It was kind of you to try to post a helpful response, so please know that if your comment is deleted, it is not because of the content—it is because you are responding to a thread that is five months old, which is typically longer than the standard for considering a topic "old news" around here. I hope you have a great day!