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05-11-2020 03:48 PM
mostly easy pay......i know that anytime i want to i can go and pay it off in full. my credit line is not "tied up" with a large amount.
qvc/credit card company doesnt have all of my money for my item if i use easy pay so i wont need a full amount refund if i decide to return it......and we all know it generally takes almost 3 -4 weeks to get refunds.
05-11-2020 03:56 PM
Large items I do easy pay. Small frivolous purchases, like yet another top, I pay immediately to avoid guilt. Of course "small" and "large" amounts vary over time. Large used to be a computer or a Vitamix. Now large is a better piece of jewelry, say 150.00.
05-11-2020 04:09 PM
I pay in full.
05-11-2020 04:10 PM
I never use easy pay my husband hates it. It's too much to track all the charges and keep up.
05-11-2020 04:17 PM
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.
05-11-2020 06:39 PM
Always in full.
05-11-2020 06:46 PM
I do easy pay always. I can pay ear!y anytime I want. Just did the other day. Zero easy pays left.
I like easy pay and if I do not like and return then very little invested.
05-12-2020 05:46 AM
I use Easy Pay because I might have to return something. I'd rather not pay the full price on my credit card that I'm waiting for a refund 2-3 weeks.
With other retailers, refunds are given as soon as the package is picked up or within a day or two following receipt.
05-12-2020 09:59 AM
I have always done both but lately I have been opting out. I plan on paying off all my easy pays still going by this July. I am concerned about errors that I may not catch and I feel they make it tough to track everything.
05-12-2020 10:27 AM
I make easy payments to my bank account. That way whenever I buy something I can pay for it all at once.
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