Esteemed Contributor
Posts: 6,973
Registered: ‎01-22-2012

Re: How do you feel about Easy Pay?

The Q makes Easy Pay look like a gift they're giving to the customer, when in reality it's a hook to get customers to buy more and more.


If my credit card is heavy one month, I might lighten it by using EZ Pay. Not often. I always pay in full monthly my credit card.


The EZ Pay can be a trap if you're not careful. You can end up with a monthly bill year after year. And the more EZ Pays, the less careful you are of checking....

Honored Contributor
Posts: 9,775
Registered: ‎07-28-2012

Re: How do you feel about Easy Pay?

@okaywitheasypay wrote:


@okaywitheasypay, made me actually laugh out loud when I read your response. Perfect. Thanks for the giggle.

"To each their own, in all things".
Esteemed Contributor
Posts: 6,076
Registered: ‎05-09-2010

Re: How do you feel about Easy Pay?

@spent2much wrote:

I don't have a Q card and probably never will.  I just use my credit card.  I never use easy pay.  I click on "speed buy" and when the next window pops up, I click on "I would like to review the order total (with shipping and handling and applicable tax included) or edit my order before I submit it."  I change the easy pay (automatically selected) to one payment.

Thank you -- I did not know we had that option.  Funny how QVC decided for us that we needed easy pay over paying in full.  I try not to use easy pay.  If I can not afford to pay for it in full, then I don't really need it.  They push easy pay like it is a huge sale.  I keep the total price in mind and decide if it is worth it or not.

Always remember that you are absolutely unique. Just like everyone else. Margaret Mead
Trusted Contributor
Posts: 1,706
Registered: ‎11-02-2014

Re: How do you feel about Easy Pay?

I decided a few months ago, no more easy pays for me. Although it helps when I order something that costs a few hundred dollars such as a handbag, the payments don't seem to end. After next month, I'm all paid up and from now on if I can't afford to pay for an item in full, I'll do without it.

Valued Contributor
Posts: 530
Registered: ‎06-06-2016

Re: How do you feel about Easy Pay?

I think it is great.  It gives the buyer time to to see if it is the right product if not they can return if it has the return option. w/ little cash out of pocket.  I use this option but have never had to return.  Smiley Surprised

Trusted Contributor
Posts: 1,054
Registered: ‎03-10-2010

Re: How do you feel about Easy Pay?

@Trudey wrote:

I had never thought much about Easy Pay until I realized that I had entered the "easy pay abyss".  When ordering, I usually just hit "speed buy" and use my q card as my default payment method...automatic 3 easy pays.  Then there are the 4 easy pays and 5 easy pays and I realize that I'm still paying for something that I bought for a prior season.  I am on a mission.  Once all of my easy pays are paid, I am not ordering anything else with payments.  I think this is a slippery slope that can make many of us shop more than we should.  What do you think?

Trudey, I totally agree with you. There is no question that easy pay appears inticing. Most of us can relate to the experience of seeing $4, 6, 10 dollars as an easy pay and thinking, "oh I can afford that", but the real problem is when you find yourself making too many of them and there goes your budget. I am going to do the same thing as you, pay off my easy pays and promise myself not to buy anything for a good long time.

Respected Contributor
Posts: 3,513
Registered: ‎10-27-2010

Re: How do you feel about Easy Pay?

It's only a slippery slope if you aren't paying attention to how much you buy. If you don't pay off your credit card balance each month, then I suppose it makes fiscal sense to use easy pay--to put less at a time on your charge so you rack up less interest. But if you pay off your balance each month, as you should, then it makes no difference. On a related topic, I cancelled most of my auto delivery items because they add up, too. And at one point years ago, I wasn't paying enough attention while I was working, and I had everything from meats and makeup to perricone kits piling up! They would arrive, the housekeeper stowed them away, and I did not realize that I wasn't using the stuff fast enough. Now I order what I need as I need it but do not sign up for auto delivery. 

Respected Contributor
Posts: 3,707
Registered: ‎03-11-2010

Re: How do you feel about Easy Pay?

As recommended by many, I have adjusted all my pending easy pays to "pay balance".  I had to go back into my account several times to accomplish this, because there were always 2 or 3 items that would not balance out.  Now, I'm going to pay off my Qcard. Although, I didn't get to the point that this was a financial problem for me, I can definitely see how it could happen quickly.  

Regular Contributor
Posts: 169
Registered: ‎05-06-2013

Re: How do you feel about Easy Pay?

OH YES it IS Very Slippery....I thought it was only me, but the Easy Pays seem to NEVER end!!!! I have gotten to the point that Im still paying off an Easy Pay and I had to really think about what I had purchased 3 monthgs I either Pay 1 payment or better I pay via check.  this way the item is paid in full...although there are things I want but when I look at Credit statement I rethink Buying.....

Honored Contributor
Posts: 40,525
Registered: ‎03-12-2010

Re: How do you feel about Easy Pay?



If you regularly pay your Q card off each month, you might want to keep one easy pay thing going.  I'm fascinated by FICO scoring and I know that having some kind of balance, even a small one, on a credit card raises the FICO score.  Even if you pay the balance each month.


Seriously, I have a Visa, AMEX and mortgage.  I had a small balance on my Visa, my mortgage isn't done yet but I had no balance whatsoever on my Amex last month.  


I periodically take advantage of looking at my FICO score when I'm in my account.  They dropped my score from 850 to 828.  Can you believe it?  Only in America - gotta stay in some kind of debt, even a little one, to keep your FICO score up!

There are many elements: wind, fire, water
But none quite like the element of surprise