Q Talk

[KN510]

I'm curious about purchasing a product with my Q card. The product is over $100 with an easy pay of $40-ish. My card has been paid off.

Do you think my minimum payment would be higher than the $40 easy pay installments, if I ran the whole product cost to my card?

[NickNack]

If you will need to make payments on your purchase, you should definitely use Easy Pay.  You don't pay interest on Easy Pay like you would on your credit card when making installment payments.  I have no idea what an installment would be on a $100 purchase.

[millieshops]

@KN510 @NickNack I agree whole heartedly with   Nicknack. The only real benefit of east pay is that we can stretch out payments with no interest owed, so either pay off the total cost or go for easy pay

once the amount is broken into E XP’s there will be no interest as long as you pay whatever the payment is AND don’t add more to that credit card.

[Sage04]

@KN510  you would have to include shipping and handling also. Don´t know how many Easy Pays the Q card allows but you would have to add everything up, the price, s/h, taxes and then divide that amount by the number of E/P.

Yes it would be more than the $40 monthly.

[CAcableGirl2]

@KN510   If you run the entire cost of the items to your credit card, you will be paying interest on the amount that you don't pay the first month and continue to pay interest on the balance until it's paid off. 

If me, I would choose the easy pay option, that way the only interest you would be paying would be for the amount that you don't pay. 

So for example, if your ezpay is $40 a month, and you only pay $35 on your card, you will pay interest on the amount left to pay on your credit card, but if you pay $40 each month for that one item you purchased on ezpay, you will eventually pay off the item over time without paying any interest.  

You just have to be careful on credit cards and interest, and keep track of what reoccurring ezpay items you have that will be charged in the upcoming months but can see any future payments due by month if you look under your order status and ezpay payments by month. 

[KN510]

Thanks everyone! I forgot all about the interest and s&h. I usually only shop the easy pays and everything sort of just gets rolled in together.

[FancyPhillyshopper]

And don't forget if you put the item on easy pay you can always pay the whole thing off or make additional easy pays whenever you want to.

[KaySD]

QVC doesn't charge interest for breaking the total up into several payments. If you don't pay off the amounts each month as they are billed to the Q card, however, you will pay interest on the unpaid balance, like any other credit card. And the Qcard has pretty high interest rates. Still, it's a good deal if you can pay off the payments each month.