topic Re: Q Card Denial in Customer Care

Q Card Denial

DavidLV — Fri, 25 Jul 2025 05:55:10 GMT

In the course of buying a vacuum from QVC, I applied online for a Q Card, filling out all the required information, and was immediately denied,

Some days later, I received an email from Synchrony Bank, with whom I have made previous purchases and paid for in installments, such as for a BBQ grill,, saying I was denied because TransUnion said my application "has risk factors that cause us to be unsure of your identity."

I have no way of knowing what these "risk factors" are, as all I did was fill out the required information on the QVC site. So I have written to TransUnion for an explanation, though I'm pessimistic about receiving a personalized response.

The irony: I am a retired attorney whose TransUnion credit score as of today is -are you ready for this?- 821. My only debt is my mortgage, and I pay all my credit-card bills in full every month.

But I guess I am not a qualified QVC credit customer. Sorry, QVC.

Re: Q Card Denial

Tinkrbl44 — Fri, 25 Jul 2025 06:46:17 GMT

@DavidLV

How bizarre!

I wonder how many other qualified applicants have been rejected and how many sales were lost as a result.

Re: Q Card Denial

LizzieInSRQ — Fri, 25 Jul 2025 08:11:17 GMT

Call the credit department at Synchrony Bank. Surely you know that is your solution to find out why. Perhaps something on the application might be filled with a typo or heaven forbid you have your ID hacked, data breach or you got phished recently and you are not aware. This may not be QVCs fault, nor yours. Get to the bottom of it.

Re: Q Card Denial

millieshops — Fri, 25 Jul 2025 10:46:46 GMT

@LizzieInSRQ I agree. The denial came from Synchrony, not from QVC. With any sponsored credit cards, the bank is within its right to make the denial with reason. Reason was offered. I'm surprised the attorney seemed unaware this happens more often now that there are so many scammers at work.

Re: Q Card Denial

UpNorthGorgy — Fri, 25 Jul 2025 11:30:53 GMT

I went through a Credit Card hack and tried to reapply for my Synchrony Bank Q card and was told my identity was in question and asked to send a five minute video and scan front and back of my Driver's licence. I told them forget it!

No problem with my major two cards. New cards and numbers sent with in a week. Very helpful and supportive.

Re: Q Card Denial

CalminHeart — Fri, 25 Jul 2025 11:38:37 GMT

@DavidLV wrote:

Did you call Synchrony? That would be my first step.

Then I'd log into Experian and look at my credit history.

Scammers love high credit scores. Depending on what you find, you may want to lock your credit at Experan etc.

Re: Q Card Denial

TheMemphisVette — Fri, 25 Jul 2025 11:40:15 GMT

if a credit request anywhere is submitted in my name or social with incorrect information i want it declined

and i understand why the requester would not be given the details of the reason

i would just inquire with the creditor as to what information they needed

Re: Q Card Denial

Marp — Fri, 25 Jul 2025 12:09:09 GMT

@DavidLV wrote:
In the course of buying a vacuum from QVC, I applied online for a Q Card, filling out all the required information, and was immediately denied,

Some days later, I received an email from Synchrony Bank, with whom I have made previous purchases and paid for in installments, such as for a BBQ grill,, saying I was denied because TransUnion said my application "has risk factors that cause us to be unsure of your identity."

I have no way of knowing what these "risk factors" are, as all I did was fill out the required information on the QVC site. So I have written to TransUnion for an explanation, though I'm pessimistic about receiving a personalized response.

The irony: I am a retired attorney whose TransUnion credit score as of today is -are you ready for this?- 821. My only debt is my mortgage, and I pay all my credit-card bills in full every month.

But I guess I am not a qualified QVC credit customer. Sorry, QVC.

@DavidLV, obviously, according to your own words, the problem has nothing to do with QVC or your credit worthiness it has to do with TransUnion not being certain it was actually you that made the application.

As a "retired attorney" you should know what you need to do and that is by communicating with TransUnion and Synchrony.

Re: Q Card Denial

TheMemphisVette — Fri, 25 Jul 2025 12:19:01 GMT

@DavidLV

are you saying you want credit opened in your name even if the requester cannot be identified as you?

are you saying you want this requester given the exact reason so they can then continue to protential fraud?

were you really an attorney?

Re: Q Card Denial

San Antonio Gal — Fri, 25 Jul 2025 12:22:34 GMT

Hope you find out the true issue on the denial @DavidLV . As you know, this was not the Q's decision, but Synchrony Bank.

Re: Q Card Denial

Venezia — Fri, 25 Jul 2025 12:42:55 GMT

It has nothing to do with QVC. Synchrony Bank made the decision. I'm not a "retired attorney", but I'd know enough to contact the bank to ask why.

Re: Q Card Denial

RespectLife — Fri, 25 Jul 2025 12:49:02 GMT

@DavidLV

Clearly TransUnion is the issue. If they provided Synchrony with certain credit info on you, that is what Synchrony will use.

If you only have a mtg payment and pay your CC in full every month....why in retirement would you even want another credit card??

Why not just pay for a vac in full either from Q or somewhere else using one of the credit cards you are in good standing with?

It's a vac, not a car !

Re: Q Card Denial

catter70 — Fri, 25 Jul 2025 13:44:39 GMT

@DavidLV , I've really nothing to add but hope you got some good info here and you can get it straightened. BTW, welcome to the forums. Let us know how you've made out.

Re: Q Card Denial

elated — Fri, 25 Jul 2025 15:00:39 GMT

Go to Annualcreditreport.com and get your free credit report. It has all three bureaus listed. This will tell you what is happening. You should check this information every year to make sure they are accurate. I hope this information helps you in your dilemma.

Re: Q Card Denial

Kachina624 — Fri, 25 Jul 2025 15:05:23 GMT

@DavidLV Anytime you are denied credit, you're entitled to a free copy of your cred report. Order one from TransUnion and see what it says and protest any incorrect information

I doubt Sychrony Bank will give you specific information. They don't want a confrontation, which is why the credit bureaus exist to do the dirty work.

If there's an error or erroneous information, you want to get it cleaned up fast.

Re: Q Card Denial

Desertdi — Fri, 25 Jul 2025 15:11:27 GMT

Not credit denial...BUT, the (teenage) cashier at Dollar Tree accused me of passing him a counterfeit $5 bill.

Now, doncha think if I was printing my own...it would be in a higher denomination???

Re: Q Card Denial

cjm61 — Fri, 25 Jul 2025 15:28:23 GMT

@Desertdi Actually, when I worked in Finance we had a counterfeit $5 and I was told it was very common now. These lower denomination bills are never checked and can easily get past a cashier.

Re: Q Card Denial

Desertdi — Fri, 25 Jul 2025 20:11:28 GMT

@cjm61

I'm bondable. I handled tens of millions where I worked. di

Re: Q Card Denial

LizzieInSRQ — Fri, 25 Jul 2025 22:59:34 GMT

@Desertdi wrote:
@cjm61

I'm bondable. I handled tens of millions where I worked. di

Retail stores don't know this nor care lol

Also sometimes people do not know they have been given counterfeit money as change and then go use it until a cashier checks it. It doesn't necessarily mean one makes it.

What happened after the cashier said it was counterfeit $5? You didn't finish your story.

Re: Q Card Denial

spumoni99 — Fri, 25 Jul 2025 23:04:31 GMT

@Desertdi wrote:
@cjm61

I'm bondable. I handled tens of millions where I worked. di

@DesertdiWhat bearing would that have on anything?