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Respected Contributor
Posts: 4,121
Registered: ‎03-09-2010

Re: Pay All or Monthly Installments

Pay all and don't use my Q card. Try to avoid interest fees. Near understood why Q thinks easy pay is a sale. Seems like they would pileup in a hurry.

Frequent Contributor
Posts: 130
Registered: ‎07-22-2012

Re: Pay All or Monthly Installments

Definitely pay in full. The way I see it- if I have to make payments on it then I can’t afford it. No disrespect to those that make payments. I just was never a credit card /payment plan type shopper.

Respected Contributor
Posts: 3,237
Registered: ‎03-29-2011

Re: Pay All or Monthly Installments

I pay in full.

Respected Contributor
Posts: 2,514
Registered: ‎07-10-2011

Re: Pay All or Monthly Installments

[ Edited ]

QVC sends out an email every month concerning your Easy Pays. I prefer to use Easy Pay because if i return something, a lot of my money isn´t tied up. People complain about the amount of money that sahould be refunded and that QVC takes forever.

 

I returned something a few weeks ago and within a few days, I received a refund of $3 and change. I think QVC likes me lol

Esteemed Contributor
Posts: 5,172
Registered: ‎03-11-2010

Re: Pay All or Monthly Installments

I've been shopping at the Q for over 25 years and always paid in FULL. Last year, I ordered an item on-line and I didn't realize that the default was on EZPay. What a screw-up, just keeping track over several months how much I owe --- and I also returned a few items - which made figuring out my credit card bill very difficult. If I can't afford to buy something and need to pay it out --- I don't buy it.

That's why I have zero balances on my two credit cards.

 

Honored Contributor
Posts: 32,637
Registered: ‎03-10-2010

Re: Pay All or Monthly Installments

It depends.  Sometimes I choose to pay in installments so I don't have to pay for the entire item in full on the chance it may be a return.  I'm only out a small amount up front.  

 

If the item is a keeper, I go into my account on .com and pay the balance in full.  

Honored Contributor
Posts: 32,637
Registered: ‎03-10-2010

Re: Pay All or Monthly Installments


@SeaMaiden wrote:

I was in the EASYPAY TRAP years ago. Finally wised up, and decided that if I could not pay in full,  I did not need it.  

So for  the past 5 plus years I pay in full for everything... NO EASY PAY

 

I pay my card off at the end of the month. IN FULL and have a FICO  score of 850.

 

I owe no one anything.


Well thank you for all that info, including your FICO score.

Honored Contributor
Posts: 24,068
Registered: ‎03-10-2010

Re: Pay All or Monthly Installments

Not an issue that is high on my "things to think about" list one way or the other.  It all gets paid.  I don't have that much in any case, so it isn't an issue with me. 

Super Contributor
Posts: 371
Registered: ‎01-31-2016

Re: Pay All or Monthly Installments

I used to go with easy pay, but the way my bank credit card itemizes them it is totally confusing. Full pay all the way except for high priced items.

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Super Contributor
Posts: 470
Registered: ‎02-18-2016

Re: Pay All or Monthly Installments

All


@Dinaki wrote:

I do prefere to pay all at once the merchandise I choose from QVC. If I choose the Easy pay, sometimes I forget and I say to myself, why was I been charged that on my bank statement.

 

So what do you choose ladies, easy pay or pay all?