Q card extended payment plan. - Page 2

Snowhite714 · ‎06-30-2014

@fortune wrote:
@Bookbabe wrote:
I put the i Rumba on the nine month payment plan which I figured would be about $45. a month. I was surprised to see they billed me the whole $402, amount on my Q card so I called them. This is what he told me and I just want to pass it along because many of you might be thinking like I did that is was like easy pay.
It is not easy pay. They bill the whole charge on your card. What you have to do is when you pay the regular charges your money goes to that. Then whatever is left is applied to the nine month payment. I had charges of $210. which I paid and then added $90 which goes toward the Rumba. This is fine with me but I think many of us might still think this is like easy pay and it is not.

So i hope this info helps.

Bookbabe
@Bookbabe wrote:
I put the i Rumba on the nine month payment plan which I figured would be about $45. a month. I was surprised to see they billed me the whole $402, amount on my Q card so I called them. This is what he told me and I just want to pass it along because many of you might be thinking like I did that is was like easy pay.
It is not easy pay. They bill the whole charge on your card. What you have to do is when you pay the regular charges your money goes to that. Then whatever is left is applied to the nine month payment. I had charges of $210. which I paid and then added $90 which goes toward the Rumba. This is fine with me but I think many of us might still think this is like easy pay and it is not.

So i hope this info helps.

Bookbabe
@Bookbabe
How stupid for QVC to design a payment plan without informing the customers (and customer service people) how it works. Why couldn't it be like Easy Pay but divided up into 9 or 12 payments--would that be too much to ask?????????

@fortune You are so right in your comment. But that is not the case. @Bookbabe Received my statement today and there is no (clear) explanation about the payment process for this "special financing." And since I am so uncomfortable with this lack of clarity I will be paying for these items in full, not looking to pay any finance charges or having any issues, so I'll be paying in full. QVC you can have your special financing.

Moonchilde · ‎05-23-2010

@fortune wrote:
@Bookbabe wrote:
I put the i Rumba on the nine month payment plan which I figured would be about $45. a month. I was surprised to see they billed me the whole $402, amount on my Q card so I called them. This is what he told me and I just want to pass it along because many of you might be thinking like I did that is was like easy pay.
It is not easy pay. They bill the whole charge on your card. What you have to do is when you pay the regular charges your money goes to that. Then whatever is left is applied to the nine month payment. I had charges of $210. which I paid and then added $90 which goes toward the Rumba. This is fine with me but I think many of us might still think this is like easy pay and it is not.

So i hope this info helps.

Bookbabe
@Bookbabe wrote:
I put the i Rumba on the nine month payment plan which I figured would be about $45. a month. I was surprised to see they billed me the whole $402, amount on my Q card so I called them. This is what he told me and I just want to pass it along because many of you might be thinking like I did that is was like easy pay.
It is not easy pay. They bill the whole charge on your card. What you have to do is when you pay the regular charges your money goes to that. Then whatever is left is applied to the nine month payment. I had charges of $210. which I paid and then added $90 which goes toward the Rumba. This is fine with me but I think many of us might still think this is like easy pay and it is not.

So i hope this info helps.

Bookbabe
@Bookbabe
How stupid for QVC to design a payment plan without informing the customers (and customer service people) how it works. Why couldn't it be like Easy Pay but divided up into 9 or 12 payments--would that be too much to ask?????????

I don't see any point to this, or any benefit to the consumer. If it's charged in total up front, it's not measured payments, which is why people want Easy Pay and etc. I'd rather use my own CC or bank account or Paypal (or even Easy Pay) than turn myself into a pretzel trying to figure out just how I'm being skwoowed and by whom.

Life without Mexican food is no life at all

Bookbabe · ‎04-17-2010

@Snowhite714 wrote:
@fortune wrote:
@Bookbabe wrote:
I put the i Rumba on the nine month payment plan which I figured would be about $45. a month. I was surprised to see they billed me the whole $402, amount on my Q card so I called them. This is what he told me and I just want to pass it along because many of you might be thinking like I did that is was like easy pay.
It is not easy pay. They bill the whole charge on your card. What you have to do is when you pay the regular charges your money goes to that. Then whatever is left is applied to the nine month payment. I had charges of $210. which I paid and then added $90 which goes toward the Rumba. This is fine with me but I think many of us might still think this is like easy pay and it is not.

So i hope this info helps.

Bookbabe
@Bookbabe wrote:
I put the i Rumba on the nine month payment plan which I figured would be about $45. a month. I was surprised to see they billed me the whole $402, amount on my Q card so I called them. This is what he told me and I just want to pass it along because many of you might be thinking like I did that is was like easy pay.
It is not easy pay. They bill the whole charge on your card. What you have to do is when you pay the regular charges your money goes to that. Then whatever is left is applied to the nine month payment. I had charges of $210. which I paid and then added $90 which goes toward the Rumba. This is fine with me but I think many of us might still think this is like easy pay and it is not.

So i hope this info helps.

Bookbabe
@Bookbabe
How stupid for QVC to design a payment plan without informing the customers (and customer service people) how it works. Why couldn't it be like Easy Pay but divided up into 9 or 12 payments--would that be too much to ask?????????
@fortune wrote:
@Bookbabe wrote:
I put the i Rumba on the nine month payment plan which I figured would be about $45. a month. I was surprised to see they billed me the whole $402, amount on my Q card so I called them. This is what he told me and I just want to pass it along because many of you might be thinking like I did that is was like easy pay.
It is not easy pay. They bill the whole charge on your card. What you have to do is when you pay the regular charges your money goes to that. Then whatever is left is applied to the nine month payment. I had charges of $210. which I paid and then added $90 which goes toward the Rumba. This is fine with me but I think many of us might still think this is like easy pay and it is not.

So i hope this info helps.

Bookbabe
@Bookbabe wrote:
I put the i Rumba on the nine month payment plan which I figured would be about $45. a month. I was surprised to see they billed me the whole $402, amount on my Q card so I called them. This is what he told me and I just want to pass it along because many of you might be thinking like I did that is was like easy pay.
It is not easy pay. They bill the whole charge on your card. What you have to do is when you pay the regular charges your money goes to that. Then whatever is left is applied to the nine month payment. I had charges of $210. which I paid and then added $90 which goes toward the Rumba. This is fine with me but I think many of us might still think this is like easy pay and it is not.

So i hope this info helps.

Bookbabe
@Bookbabe
How stupid for QVC to design a payment plan without informing the customers (and customer service people) how it works. Why couldn't it be like Easy Pay but divided up into 9 or 12 payments--would that be too much to ask?????????
@fortune You are so right in your comment. But that is not the case. @Bookbabe Received my statement today and there is no (clear) explanation about the payment process for this "special financing." And since I am so uncomfortable with this lack of clarity I will be paying for these items in full, not looking to pay any finance charges or having any issues, so I'll be paying in full. QVC you can have your special financing.

Me too I totally agree with you. statement not due for awhile.

gabstoomuch · ‎03-16-2010

Same thing on HSN or Evine's card. "9 month financing" only works well on a zero balance card. Without making any more CC purchases the whole 9 months.

Whatever payment you make goes to the original balance on the card, then whatever is left over goes to the 9-month no interest purchase.

They do not say that when they lure you into that way of paying. I found out the hard way on a HSN purchase a couple years ago. I had to pay the balance plus a little more to get rid of the previous charges before I was actually paying for the large purchase.

I have always wanted to warn people, but felt it was not really my business. I feel bad when people get trapped like that. If someone had a $500 balance before they put another large purchase on their card, they would most likely have a hard time ever getting to "no interest".