5 EP seldom

Kitty Galore · ‎03-16-2010

I guess I got used to mostly 5 EP'S for so long and now they mostly offer 2 , 3 once in awhile . At first I wasn't liking it , but now I find myself pausing and thinking it through before hitting place order. It gives me time to consider before impulsively buying. So saves me money and not as many returns.

I do like the 5 EP'S when they do show up so can use on something I may have had my eye on that msy be a little pricey though.

cjm61 · ‎09-07-2014

I understand your point but for me personally @Kitty Galore , if I see something but I must have 5 easy payments to afford it, I probably shouldn't buy it.

I really like how sometimes HSN offers several options, 1 payment or 2,3,4 and sometimes 5 easy payments. I prefer 2 payments, sometimes but rarely 3 payments.

RespectLife · ‎02-27-2012

Since I have and use my Q card for all puchases, I still get 5 EZ Pays on everything everyday.

Mombo1 · ‎11-02-2015

@cjm61 wrote:
I understand your point but for me personally @Kitty Galore , if I see something but I must have 5 easy payments to afford it, I probably shouldn't buy it.

I really like how sometimes HSN offers several options, 1 payment or 2,3,4 and sometimes 5 easy payments. I prefer 2 payments, sometimes but rarely 3 payments.

@cjm61 I agree with you. Five easy pays just prolongs the debt...so I don't use that option. Considering the way things are today..I think twice before buying. Want vs. need.

Kachina624 · ‎03-10-2010

I vastly prefer 2 or 3 Easy Pays over 5. I don't want to make payments on a purchase for 5 months. I've often NOT BOUGHT an item because I didn't want all those payments and there was no alternative like HSN offers.

New Mexico☀️Land Of Enchantment

elated · ‎06-09-2010

I think the 5 easy pays was a good option because you have the opportunity to use it and then pay it off at any point. You were not locked in but now it is 2 or 3 and buyers are walking away instead of purchasing. I think they just shot themselves in the foot for many buyers who don't want their Q card. Do I think it will help them financially to crawl out of their deep financial crisis, I seriously doubt it.

Pecky · ‎03-10-2010

It is a nice option. You can always pay it off anytime you want.

Kitty Galore · ‎03-16-2010

@RespectLife wrote:
Since I have and use my Q card for all puchases, I still get 5 EZ Pays on everything everyday.

@RespectLife @I just don't wish to have a Q card. Been pre approved in the past , but have passed on it . Dont need another cc.

San Antonio Gal · ‎05-18-2017

@Kitty Galore wrote:
@RespectLife wrote:
Since I have and use my Q card for all puchases, I still get 5 EZ Pays on everything everyday.
@RespectLife @I just don't wish to have a Q card. Been pre approved in the past , but have passed on it . Dont need another cc.

@Kitty Galore @RespectLife - I really like the little perks from the Q card. I also like keeping my Q purchases separate from my other credit cards.

I'll take 5 EP. Doesn't bother me one bit. Pay the Q card off each month. Works for me.

Grade1Teach · ‎03-09-2010

I loved the 5 easy pay option. It allowed me to make more purchases and pay them off over time (or earlier if I chose to). I was also able to buy things that were a little bit pricier, without feeling it.

The 2 easy pay option has me thinking twice and I haven't really purchased much of anything since they changed over to that. However, it is nice to be done paying off something in two months.