Q Talk

[mommytwins]

@EastCoastGal , .... Thank you!! :-) 

That does not surprise me none about Synchrony saying that to you but geez, how rude!! Good for you laughing and telling her you arent worried about it and things looking better for you nowadays!

I actually believe the same will happen to me if I were to call about getting interest lowered.  Not too optimistic especially its Synchrony handling the QVC buyers.  

I went online this morning and edited the 3 remaining shirts I have on "easy pay"
 and edited/changed the pay from Q card to my "credit union" card thats 12%.  Here I thought my 12% was great with my credit union but yours is really good! Go you!!! *smile* :-) 

I saw somewhere on this thread maybe more then once(?) something about no interest on easy pays but Ill have to dig further to understand that I didnt know that? But I do have easy pays or shall I say thats how I was doing. Now I have the 3 shirts and I am and WILL be much more mindful in where I shop and what I shop for even. 

Anymore with these prices I def can go easily to Macys and find alot more versatile tops and all tops are not all across the board the same prices as the Q seems to do.  

This year Im also going back to using my small ledger book and legit logging every single penny I spend this year (including my credit card bills)!! This statement and my Discover oh Lordy bee, I can not wait for discover to be kaput!!!!!!!!! lol

[mommytwins]

@EastCoastGal ....Oops I didnt even realize we needed to do that and add the @ yikes!!! Guess no one will see my replies or wanna bother sifting thru these.  Is that what we are to do?? I do that on fb haha...I figured if I click reply under your message it would somehow highlight it for you but Im not seeing that on my end right now anyways....

Am going thru now to be sure I replied to all if needed but thank you again :-)

[mommytwins]

@Icegoddess  .... Bingo! I like that!  "OPM"  .... (although that reminds me when I worked for the govt that meant "office of personnel management) hahaha...so will be easy for me think of what you said when Im sitting down again paying my bills. ;-) 

the one card i have with the credit union when I worked the govt job ....the interest has never ever changed since 84'.  I love them, but hearing yours is going up if that happens this will be the very first time for me. (fingers crossed!)  

I can not wait to one day be debt free! or close to it!!!! I really try to beat these interest rates ....I am almost def at a point of paying majority of them twice a month now too!  Woot!!! 

[mommytwins]

I can not wait to be in those shoes one day! hard lesson learned thats for sure and I've been doing rather well last year and a half. Still....so easy to goof but no more!  I want freedom and liberation of no debt and yes unless I can pay in full end of month -- thats my goal ;-) 

[sunshine45]

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@BalletBabe wrote:

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@sunshine45 wrote:

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@BalletBabe wrote:

Why do all of you think they push their CC card so hard??   I would bet they have lost a lot.  I like others closed mine years ago.  Most have offers with cash back.  QVC's gives you nothing.  Get rid of your cards ladies.  

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@BalletBabe 

i am hoping that is changing!

over the holidays i got free shipping for about a month on any TSVs i purchased from QVC when i used my QCARD to purchase.

the first week of january they had a $10 off of a $75+ beauty purchase when using the QCARD.

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@sunshine45   That is still not enough for me.  My cards give me a lot more then that.  If your happy with it that is great.  I closed mine about 7 years ago and never want one again.

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@BalletBabe 

if i am getting $10 off of a $75+ order, my other cards are NOT going to give me "a lot more than that" for a $75 purchase. often not even the $3.99 fee for shipping if i use another card for mileage or points or cash. i dont carry balances on my QCARD so that instant savings works for me.

the other benefit for me is i am a frequent QVC customer and i like having all of my purchases on one card so that i can easily track purchases, easy payments, and returns.

[sunshine45]

@mommytwins 

easy pays do not have any interest.

HOWEVER, each month you are billed your easy pay and if you dont pay that off, then YES, you are paying interest. it works that way for any card you may be using with your QVC purchases.

[Puppy Lips]

I have never had any desire to have a QVC credit card, no matter how many times they offer the bonus.  I am not going to give QVC any more of my money because I am sure they benefit from all that interest.

If I were the OP, I would close the account as soon as possible and find a way to pay it off.  That is an over the top, insane interest rate, even for someone with not so good credit, which is not the OP!

[Pecky]

This is because the Fed's keep raising rate to lower inflation.  They want to to slow down spending, and what better way than to raise interest rates.  They plan on raising it again this week.  

[mommytwins]

@Carmie .....  HOLY MOLY!!!!  I didnt think it could even get worse then the 30.74%!!! 

I sure hope those newbies get a "good look" at that!!! never in my entire life have I seen it this bad! Inflation or not!!! This is just truly insane!!!!  

I thought the ones I have for 17% and 19% were bad till I saw this statement this month.  

Btw, I went thru the last 4 statements and they did rise up each month ...last months was 27 point something and I think same for the month or two prior then prior to that was lesser.  30% is unacceptable!!! and now 31.24% Seriously I need to pick my jaw up from the floor now! OUCH!!!!!! 

[mommytwins]

@LindaLatte  Thank you! :-)  This is exactly my goal.  Actually been working on it in the past year or so but just seeing and realizing how fast this statement rose up and I thought I wasnt seeing right ....Im very ****** about paying bills same day I receive them and sometimes twice on most a month as well.  And always like trying to beat the interest but the bottom line is whenver* that day comes I can pay in full a month I can not wait for that day. Its going to take time but Im so done throwing money out the window I really am!