Community Chat

[Mindy D]

Is there a limit on how many active Easy Pays you can have on one card?

[Peaches McPhee]

No, don't think so.

[eadu4]

you can have as many as your card $$$ will support.  Just remember those 5 easy pays of $15 can add up on your card, if you have a bunch of them.  They have no problem billing your card the problem comes when your card reaches it's limits an their billing gets denied.  You will then get an email/tetter letting you know they require another form of payment as that one will not work.  

[Foxxee]

I would think as long as you can pay for them on time, it's a plus for QVC and the bank. 

If it goes very high, QVC might at a certain point check to see if you can pay for them based on previous purchase  practices and then place a limit. 

One of the clues could be if you pay for some ahead of time.  That would indicate your monthly easy pay obligations aren't too high for you.

Just speculating.  Best to ask QVC.  

[millieshops]

I doubt there’s a limit by QVC.  They don’t own Synchrony and as long as the bank accepts the charge, you have to deal with them, not QVC I would think.  Of course, for anyone who can’t pay their whole bill every month, Synchrony loves that because that’s when interest kicks in.  It doesn’t go to the selling retailer.

[KingstonsMom]

@millieshops 

I agree and Synchrony Bank has outrageous interest rates!

I don't have a Q card, but they were the bank for my Sam's charge card, which I made sure that I paid in full every month, because of their outrageous interest rates.

I've since cancelled my Sam's membership, since retiring and just a family of 2, we just weren't buying in bulk anymore.

But cancelling the Synchrony Sam's Club CC was not easy at all and they ended up getting pretty nasty about me closing their CC account.

I simply called and said that I wanted to cancel my Sam's CC account and I was subjected to a barrage of at least 3 different reps, trying to convince not to cancel, when the last one said, "You realize that if you cancel your CC with us that you can never get a Sam's card again?"

I cracked up, said, "Are you threatening me????" and hung up.

I will never do any kind of business with that bank again.

[millieshops]

@KingstonsMom  I don’t know that those high interest rates are only Synchrony, but I do know Synchrony accepts plenty of customers financial gurus would recommend that they stash their credit cards away to use only in a true emergency.

 Like you, I do not deal with them, so I have never investigated all their rates.  I assume like many banks that they offer different rates to different clients.   I have always found enough easy pays at QVC already without needing more.  I never saw any other benefit to a Q card so  I just use the cards I use for everything else.  

[Porcelain]

Trite answer, but I think the limit is common sense.

[SusieQ_2]

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@millieshops wrote:

I doubt there’s a limit by QVC.  They don’t own Synchrony and as long as the bank accepts the charge, you have to deal with them, not QVC I would think.  Of course, for anyone who can’t pay their whole bill every month, Synchrony loves that because that’s when interest kicks in.  It doesn’t go to the selling retailer.

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I'm confused (nothing new, lol), but Synchrony has nothing to do with items I have had on easy pay. 

Also, I saw a mention that if you can pay on time it's good for QVC and the bank. Good for QVC I can understand if it means they sell more if people can pay over time. But since there's no interest on easy pay how is it good for the bank? 

[icezeus]

Not that I know of. Just go for what you want, I would also remind you like another poster stated, remember that those 5.99 or 6.99 amounts do add up.

@SusieQ_2 

I think an assumption was made that perhaps the OP was talking about a Q card. 

If you are using your regular Visa Debit Card, Synchrony bank has nothing to do with that.