topic Re: Easy Pay Declined? in Customer Care

Easy Pay Declined?

Corbsg — Sun, 18 Jul 2021 19:29:19 GMT

So ive been using QVC for several years. At some points ive had well over $1000 sitting on my account. I paid everything off back in March and haven’t used my account since. Ive bought vacuums, laptops, ipads, tablets, ring devices, expensive items plenty of times in the past. I go to purchase the Macbook Air and choose EASYPAY not QCard, regular ole Easypay and they charged my card and confirmed order. Today i get an email saying it was declined. I asked customer twice and all they can me is a soft inquiry was pulled and i need to wait 10 days to figure it out. How can you do a soft inquiry without my SSN # or permission and how come im being denied now on my first purchase in a LONG time. Funds were in my account. Have used that account plenty of times. So i can buy sharks, crosswaves, ring devices, bissels, HPs but not a macbook? I do not understand

Re: Easy Pay Declined?

Beth-QVC — Sun, 18 Jul 2021 19:36:08 GMT

Hello @Corbsg

I am sorry for any confusion. Please call 800 600 2360 and leave a voice mail message containing the following information:

Full name

Billing address

contact phone number

order # declined

Our Finance group will call back to discuss this issue.

Beth QVC

Re: Easy Pay Declined?

Corbsg — Sun, 18 Jul 2021 19:37:35 GMT

Ive already done this…ive been told by your reps that and i quote “a letter will be to you in 10 days.”

Re: Easy Pay Declined?

lizzys — Sun, 18 Jul 2021 19:39:48 GMT

By any chance have you placed a credit freeze on your credit report? I know someone who did this because one of their accounts were hacked and now QVC won't allow them to use easy-pay.

Re: Easy Pay Declined?

Corbsg — Sun, 18 Jul 2021 19:43:59 GMT

@lizzys no i havent.

Re: Easy Pay Declined?

Beth-QVC — Sun, 18 Jul 2021 19:44:02 GMT

There will be a letter that comes in the mail. In the meantime, this phone number is the group that reviews orders.

Beth QVC

Re: Easy Pay Declined?

icezeus — Sun, 18 Jul 2021 20:26:09 GMT

That must be frustrating. I can only guess because of all the turmoil they must be checking some scores on large ticket items. (This is just a guess) I still don't understand since you mentioned using your bank debit card not the "Q" card. I hope you will have your answer soon. The good news is that a soft inquiry does not affect your credit score.

Re: Easy Pay Declined?

Etoile308 — Sun, 18 Jul 2021 20:37:41 GMT

I think one of the first problems is trying to buy one of their larger ticket items with a debit card that had not been used with them before, regardless of how much money is in an account. If you had purchased with an actual credit card I doubt there would have been a problem.

They don't need to ask your permission for anything. By using Easy Pay you are asking them for an interest free loan. You've agreed to inquiry in the conditions for a Easy Pay use.

Re: Easy Pay Declined?

Corbsg — Sun, 18 Jul 2021 20:54:21 GMT

Again…

I havent spent with them in a long time so not i dont need to slow down on spending.

And ive been using the same debit card with them for a while. I used it on past orders. Used it yesterday.

How can QVC pull credit without an SSN

Re: Easy Pay Declined?

Corbsg — Sun, 18 Jul 2021 20:56:32 GMT

Luckily the order went through with HSN and the payments were a lot better. I even called to make sure considering i spend with them as well. So i guess from here on out, ill putchase from HSN. They always have the same stuff
Just seems HSN wants to actually make sure you get the product.

Re: Easy Pay Declined?

tucsongal — Sun, 18 Jul 2021 22:33:03 GMT

@Corbsg I suspect you’ve already checked this, but make sure that your QVC order is cancelled and not pending approval(I don’t even know if this happens, but you sure wouldn’t want the order to go through later).

Re: Easy Pay Declined?

Melzie — Sun, 18 Jul 2021 22:45:22 GMT

@Corbsg wrote:
So ive been using QVC for several years. At some points ive had well over $1000 sitting on my account. I paid everything off back in March and haven’t used my account since. Ive bought vacuums, laptops, ipads, tablets, ring devices, expensive items plenty of times in the past. I go to purchase the Macbook Air and choose EASYPAY not QCard, regular ole Easypay and they charged my card and confirmed order. Today i get an email saying it was declined. I asked customer twice and all they can me is a soft inquiry was pulled and i need to wait 10 days to figure it out. How can you do a soft inquiry without my SSN # or permission and how come im being denied now on my first purchase in a LONG time. Funds were in my account. Have used that account plenty of times. So i can buy sharks, crosswaves, ring devices, bissels, HPs but not a macbook? I do not understand

I've had this happen to me elswhere and it was because my info wasn't up to date. Has your credit card company isssued you a new card since March with a new expiration date? If they did and you didn't update the info in your QVC profile then the purchases may have bounced because your information hasn't been updated.

Re: Easy Pay Declined?

meem120 — Mon, 19 Jul 2021 21:08:27 GMT

Perhaps they wanted to put a hold on the entire amount and it wasn't available. Then they would go ahead and only take out one easy pay.

Re: Easy Pay Declined?

Sage04 — Wed, 21 Jul 2021 00:09:10 GMT

@meem120 wrote:
Perhaps they wanted to put a hold on the entire amount and it wasn't available. Then they would go ahead and only take out one easy pay.

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Usually if someone is using a Debit Card, that person might have ¨Overdraft Protection¨ and the Bank will honor it . There is no way for QVC to tell if the money is there or not, where as if you use a Credit Card, there is a Limit and it would be denied.

Re: Easy Pay Declined?

Sage04 — Wed, 21 Jul 2021 00:11:01 GMT

@Etoile308 wrote:
I think one of the first problems is trying to buy one of their larger ticket items with a debit card that had not been used with them before, regardless of how much money is in an account. If you had purchased with an actual credit card I doubt there would have been a problem.

They don't need to ask your permission for anything. By using Easy Pay you are asking them for an interest free loan. You've agreed to inquiry in the conditions for a Easy Pay use.

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It doesn´t matter whether it´s a Debit Card or not. I´ve always used a Debit Card.