No More Q Card For Me - Page 2

Krimpette · ‎03-09-2010

I've had my Q card for several years. I can't recall a single issue that I've ever had. But I don't use easy pay, and I always pay the balance in full each month.

PINKdogWOOD · ‎05-13-2010

@w2orjetdoc This is exactly what they want you/us to do - run up our bills with tons of easy pays. It's SO easy to do and just that difficult to not.

phoenixbrd · ‎03-27-2010

@NYC Susan Congratulations to your friend. I understand that challenging situations sometimes dictate difficult choices.

I basically use one credit card and pay it off each month (don't use easy pay). That information is for going forward for this OP's friend. However she might want to think about the following: It is my understanding that closing a credit card can effect your credit rating, especially if you have had that card for many years. That doesn't mean she has to use it or just put a couple of minimal charges on it a couple of times a year to keep it open.

geezerette · ‎03-16-2010

I can understand having problems or issues dealing with any of the banks that issue credit cards. Some can be more difficult than others.

But I don't understand why the Q Card specifically should be any more of a problem than any other credit card. It works the same way as most store-specific credit cards. No better or worse from my perspective.

As far as 'easy pay' goes, you can use easy pay with any credit card. True, sometimes they offer more easy pays with their own card than a generic one, which might be more tempting.

And accumulating a large balance can also be a trap with any other credit card.

Lipstickdiva · ‎03-10-2010

Synchrony Bank is the company that handles the credit card for QVC. They also handle credit cards for tons of other companies.

I have never had a problem with Synchrony. l used to have a Q card and paid it in full every month. After awhile I closed it because there was no benefit to having it. Now I pay for everything via Paypal and it pulls right out of my checking account.

You have to be aware of what you are spending with easypayments. That is up to each of us to pay attention to what we are spending so you don't end up with $100.00+ in monthly easypays.

bonnie f · ‎10-26-2014

i got rid of all my store credit cards like 15 yrs ago.. the little ones use to have sears when it was around.. etc. etc.. dont want a qvc card, never did,, i use my visa for all my purchases.. and i just recently bought a car and they check your credit.. my credit score was 804.. when i go in kohls etc they always try to push there card.. no thanks.

software · ‎06-08-2016

I'm paying off all my online retail cards.

Evine is paid, next is HSN. Then QVC

The primary reason is Synchrony, the holder.

To those who think it's because people don't pay their bills or manage their finances, it's not that simple.

Plus it always annoys me when they raise my credit limit

They should have to get permission from me.

I never know about it until I get the letter, "Congratulations....."

@w2orjetdoc wrote:
T
Tried the Q Card and it is not for me. Too easy to run up your bill with easy pays and credit card company is very difficult to deal with. Anyone else experience this?

loriqvc · ‎11-06-2011

I really like having a Q Card. I signed up a couple years ago when a $40 account credit was offered, and although some complain that it is difficult to redeem, I experienced no issues with the process. Most of the time, I don't need Easy Pay, but having that as an option any time I want to take advantage of it—especially helpful when making multiple purchases during a free shipping event or when stocking up on holiday gifts—is very convenient. I also like the fact that all of my QVC purchases are on one card and those are the only charges on that card; it makes it easy to separate and track my spending (and any Easy Pays and returns). And because I take the extra step of tabulating both my minimum due and any monthly Easy Pays, I've never paid a dime in interest even in the rare cases when I've carried a balance from month to month. Like any credit card, this product is not for everyone, and there are certainly more benefits with other cards, but I've been happy with my Q Card overall.

(And just to clarify, in case anyone is interested, Synchrony handles the smaller-value Amazon Store Card, but Chase is the bank behind the Amazon Visa card.)

blackhole99 · ‎08-22-2013

I have a QCard and there is no reason IMO to have one if you don't take advantage of the easy pay. That being said since the interest rate is so high almost 30%, you better be able to pay the balance each month in full. I have not used my QCard in months and am not cancelling it, but I will not use it and they will eventually close the account. I did have an Amazon Card too at one time, but never used it. IMO if these companies offer and push these credit cards and put their name on the card, they take the good with the bad. I would blame the Q too.

Susan Louise · ‎03-14-2010

@blackhole99 wrote:
I have a QCard and there is no reason IMO to have one if you don't take advantage of the easy pay. That being said since the interest rate is so high almost 30%, you better be able to pay the balance each month in full. I have not used my QCard in months and am not cancelling it, but I will not use it and they will eventually close the account. I did have an Amazon Card too at one time, but never used it. IMO if these companies offer and push these credit cards and put their name on the card, they take the good with the bad. I would blame the Q too.

@blackhole99 Whoa...I would define that under loan shark. The QVC hosts have to tempt potential customers to get the Q card one or more times during each show. Imagine how many would actually get it if the upfront selling statement was the interest rate and not the 6 easy pays, % back or the $ up front 'gift'.

It's like falling for a trap for those that don't do their homework 1st before accepting the card. What I mean is I wonder what the % of folks who sign up take the time to find out the extremely high interest rate 1st.