Q Talk

[SahmIam]

I love Easy Pay. The problem is when you open a Q Card or and HSN Card or an Evine Card and suddenly have a BOATLOAD of Easy Pays all due at the same time and it's a few hundred plus PER card.

I use my Debit Card for the Easy Pays. THis way, I can't get sucked in to the automatic 3 payments; the item HAS to have an easy payment attatched at that time. By doing it with my debit card, there is not interest EVER and I have to keep to a strict budget because it comes right out of my bank account.

Works for me.

[handygal2]

I don't use Easy Pay. Part of the problem l have with it would be keeping track of all the installments on my monthly credit card statements. That would be too much of a hassle for me. I imagine that mistakes could easily be made, and then good luck trying to correct them, lol

[handygal2]

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@SahmIam wrote:

I love Easy Pay. The problem is when you open a Q Card or and HSN Card or an Evine Card and suddenly have a BOATLOAD of Easy Pays all due at the same time and it's a few hundred plus PER card.

I use my Debit Card for the Easy Pays. THis way, I can't get sucked in to the automatic 3 payments; the item HAS to have an easy payment attatched at that time. By doing it with my debit card, there is not interest EVER and I have to keep to a strict budget because it comes right out of my bank account.

Works for me.

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@SahmIam: The problem l have with a debit card is regarding returns. They've already taken the money out of your bank account, so l don't like having to wait for them to put it back in.

[SahmIam]

@handygal2  I agree with you on that... it can take FOREVER and often messes up a balance because what they returned isn't correct.

I opened up another account with my bank JUST to use for shopping via these 3 stores. I can control how and when I pay and I only keep in the account money for each months payments. It works well for me.

[BalletBabe]

@SahmIam: The problem l have with a debit card is regarding returns. They've already taken the money out of your bank account, so l don't like having to wait for them to put it back in.

I agree.  If you order on a debt card and decide you don't want item , the money is tied up for several days.  I have had them ping my card twice and had to wait for days to have it put back.  That does not happen with my credit card.   

[BalletBabe]

Anyone that is opening cards with all these shopping channels and ordering on all 3 should not have all 3.   It is called control.   Try a notebook -- it really works.

[kivah]

I never understood the lure of EZPay. The credit card bill does arrive --- and u do have to pay it. Then, u buy a few more things on EZPay since u think it's a great deal - and most of the things u ordered u don't need --- and the credit card bill arrives again. It's like a revolving door.

Only $1.00 a day!!!!! It's so "old". You could get it home for $3.25!!!!

I recently ordered 3 Isaac Mizrahi pima cotton t-shirts - the same shirt in different colors. I assumed they would put all the shirts in one plastic bag and it would cost me $3.00. NO - they arrived in 3 separate plastic bags (all at the same time) - cost $9.00.

They were way too long on me as I'm short --- and the stretchy part wrapped around my backside and looked horrible. I then had to return -- $6.45. Total loss: $15.45. No More Shopping!!!!!