Tell me about "easy pay"

Group 5 minus 1 · ‎03-11-2010

Do you pay the interest each month on your Q Card for EZ pay if you don't pay the full amt? I don't think I have ever used EZ pay and was wondering and am tempted.

CalminHeart · ‎03-09-2010

Just like every other credit card in the world, you pay interest if you don't pay your balance every month.

I am still oxox · ‎03-09-2010

The price of the item is divided into as many easy pays as offered, i think shipping and handling is added to the first payment

Stop being afraid of what could go wrong and start being positive what could go right.

geezerette · ‎03-16-2010

What is Easy Pay?

Enjoy Now

With an Easy Pay offer, you can receive an item now and pay monthly installments at no extra charge.
Pay with your QCard®, major credit card, or PayPal account.

Pay Over Time

The item price, S&H, and applicable taxes will be divided by the specified number of payments.
The first installment will be billed when the item ships & approximately every 30 days thereafter to the QCard, credit card, or PayPal account used on the order.
Billing dates are set according to the ship date; future billing dates can’t be customized or changed.

0% Interest

QVC does not assess interest charges or fees on Easy Pay.
However, use of your QCard or other credit card for Easy Pay payments may result in interest charges and other fees in accordance with the terms and conditions of your individual credit card agreements.

Easy Pay offers are subject to QVC approval based on a number of factors, including item type, price, and payment history. QVC may obtain a consumer report about you from a credit reporting agency and review this report to determine whether you can use Easy Pay. If we decide that you cannot use Easy Paybased on this report, we will notify you and you will be given an opportunity to pay for the item with a single payment. If we obtain a consumer report about you, it will be a "soft inquiry" that should not affect your credit score. If you have any account or order questions, please contact our Customer Service Team at 888.345.5788.

Prepaid cards may not be available as a payment method for items purchased with Easy Pay. Easy Paycannot be used on any items purchased at QVC employee, outlet, or subsidiary stores. Easy Pay cannot be used for prior purchases or combined with other Easy Pay offers or QCard Special Financing. Other exclusions and restrictions may apply.

Easy Pay installments are billed to your major credit card or QCard.

Unfortunately, QVC credits cannot be applied to pay Easy Pay installments. However, QVC may apply certain credits towards past due Easy Payinstallments in certain situations, such as if the credit is the result of a return where the amount could not be refunded using the original method of payment. This will reduce the balance of the credit in an amount equal to the payment due.

You can manage your Easy Pay orders when visiting Order Status or you can call Customer Service at 888-345-5788. If you have not yet created a password for your QVC account, you’ll need to do so in order to sign in and manage your Easy Pay orders. Adding a password is easy and secure. Simply choose “password” from the Account Settings page within My Account and follow the prompts.

frenchie · ‎03-12-2010

I use easy pay all the time. If you use minimum due, yes you pay interest. If you pay the billed amount you do not. The billed amount is all your easy pays added together. I never pay interest.

San Antonio Gal · ‎05-18-2017

@Group 5 minus 1 - My Easy Pays go on my Q card. I pay my Q card each month in full. I've never paid interest.

As long as you pay your card in full each month, you'll never pay interest.

RespectLife · ‎02-27-2012

@I am still oxox wrote:
The price of the item is divided into as many easy pays as offered, i think shipping and handling is added to the first payment

@I am still oxox

No, that is HSN

QVC divides the complete total including the shipping into equal EZ pay payments.

bikerbabe · ‎03-09-2010

There’s no interest on easy pay. I don’t have a Q card.

Melzie · ‎08-01-2010

Interest depends on whether or not you pay the full amount on your credit card every month.

For example:

You purchase an item and the cost of the item, plus tax, plus shipping equals $30 and the easy pay for that day is 3 easy pays.

QVC bills your card $10 per month for 3 months. If you pay the $10 then there is no interest charged for that month by your credit card company. If you don't pay the $10 then your credit card company will charge you interest and it rolls over into the next month.

It's just like any other credit card transaction. If you don't pay the full amount on your monthly credit card then you are charged interest by your credit card company. If you pay the full amount every month then there is no interest because you have paid the monthly bill in full. QVC doesn't charge you interest, the credit card company does. Hope this all makes sense and helps.