topic Re: How about a Prime Membership if you don't qualify for Qcard in Suggestion Box

How about a Prime Membership if you don't qualify for Qcard

mzlee — Tue, 09 Jun 2020 11:51:55 GMT

I haven't used credit in thirty years, so I don't qualiify for the card. Like Amazon, a paid membership could give me the extra payments card holders get. I use easy pay all the time, but it is limiting. My house and cars are paid for, and at 70 years old, I'm not likely to finance anything really expensive. I would just like a fair opportunity at the longer payments available to card holders. For the sake of the company's arrangement with the bank issuing the card, the choice would have to be one or the other. I appreciate the consideration.

Re: How about a Prime Membership if you don't qualify for Qcard

millieshops — Tue, 09 Jun 2020 12:36:36 GMT

@mzleeSo Synchrony has refused to issue you a credit card because you have no credit history, but you expect another company to give you credit (that's exactly what EZPay is) and isn't acting fair if they don't??? Aren't you already being treated like anyone else who doesn't qualify for a credit card?

Re: How about a Prime Membership if you don't qualify for Qcard

Imaoldhippie — Tue, 09 Jun 2020 13:45:52 GMT

Im a little dense this morning and dont quite understand your post.

What I read is that you belong to Amazon Prime, correct? If you do and you order from them, then you do use credit since that is the only way you can order from them. But you dont quality for the card? What card exactly?

Sorry for my confusion.

Re: How about a Prime Membership if you don't qualify for Qcard

dex — Tue, 09 Jun 2020 14:08:55 GMT

@mzlee @When we first moved to the USA I saw constant ads on tv...bad credit no credit no problem.We purchased a home and owned two vehicles while my dh had a good job but we couldn't get a credit card as we had no credit history.I had a sears card from Canada that couldn't be used here but sears USA would not issue a card...no history.It was funny to me that as soon as my son entered college he got many preapproved credit applications.He had no job and would be in school for the next seven years.Lol.

Re: How about a Prime Membership if you don't qualify for Qcard

Mz iMac — Tue, 09 Jun 2020 14:41:11 GMT

@Imaoldhippie You can pay by "check" on Amazon Prime. "Food" items an EBT (food stamps) card.

Re: How about a Prime Membership if you don't qualify for Qcard

mom2four0418 — Tue, 09 Jun 2020 14:51:02 GMT

@Imaoldhippie wrote:
Im a little dense this morning and dont quite understand your post.

What I read is that you belong to Amazon Prime, correct? If you do and you order from them, then you do use credit since that is the only way you can order from them. But you dont quality for the card? What card exactly?

Sorry for my confusion.

She may mean that a debit card is used as opposed to a credit card.

Re: How about a Prime Membership if you don't qualify for Qcard

Sooner — Tue, 09 Jun 2020 14:58:52 GMT

I'd go to a local bank, establish accounts with them and ask about getting a card through the bank.

Re: How about a Prime Membership if you don't qualify for Qcard

Sheila P-Burg — Tue, 09 Jun 2020 17:44:31 GMT

@mom2four0418 ..... Why would the OP not be able to use their debit card for easy pay through QVC?

Re: How about a Prime Membership if you don't qualify for Qcard

NickNack — Tue, 09 Jun 2020 18:15:11 GMT

@Sheila P-Burg wrote:

@mom2four0418 ..... Why would the OP not be able to use their debit card for easy pay through QVC?

@Sheila P-Burg She probably does use her debit card for easy pays. She wants a Q Card because they allow you an additional # of easy pays. I know you can use a debit card for easy pays, because I've done it.

She said she uses easy pay all the time but wants the additional easy pays you get with a Q Card.

Re: How about a Prime Membership if you don't qualify for Qcard

mom2four0418 — Tue, 09 Jun 2020 18:39:02 GMT

@Sheila P-Burg wrote:

@mom2four0418 ..... Why would the OP not be able to use their debit card for easy pay through QVC?

I never said that she couldn’t, but was just suggesting that perhaps she does not consider a debit card to be credit, which it is not. I would imagine that she would be required to use some sort of bank card in order to be eligible for Easy Pay.

Re: How about a Prime Membership if you don't qualify for Qcard

Sheila P-Burg — Tue, 09 Jun 2020 19:14:07 GMT

@mom2four0418 ...... I am sorry. I did not mean to give the impression that you said she could not use her debit card. I thought you might know of a reason she couldn't. I apologize to you or any of the other posters if I have given the wrong impression.

Re: How about a Prime Membership if you don't qualify for Qcard

Sheila P-Burg — Tue, 09 Jun 2020 19:13:07 GMT

@NickNack ...... Thank you for the explanation. I don't pay attention when they talk about the Q card so I am not familiar with any additional benefits they offer.

Re: How about a Prime Membership if you don't qualify for Qcard

mzlee — Wed, 10 Jun 2020 12:33:38 GMT

So Millie. You clearly don't understand my post. If EZPay reported to credit bureaus, I would have a heck of a credit file. I was a loan officer for many years representing at least 12 banks at any one time. I have a clear understanding of credit requirements and the basis thereto. I was suggesting a club membership that all the customers could use where dues could help offset that chance of default, and offer longer payments. Regards

Re: How about a Prime Membership if you don't qualify for Qcard

Sadiesadie — Wed, 10 Jun 2020 12:38:51 GMT

@mom2four0418 : I use my debit for easy pays if I wish.

Re: How about a Prime Membership if you don't qualify for Qcard

Whosits — Fri, 19 Jun 2020 06:55:59 GMT

@millieshops wrote:
@mzleeSo Synchrony has refused to issue you a credit card because you have no credit history, but you expect another company to give you credit (that's exactly what EZPay is) and isn't acting fair if they don't??? Aren't you already being treated like anyone else who doesn't qualify for a credit card?

You didn't read her post very well, just focused on the word "fair" which I admit she probably shouldn't have used. What she is saying I think is why not offer us the opportunity for a paid membership, like Amazon Prime, that simply gives us the extra easy pays like QVC card holders get on some items.