Q Talk

[Carol in Maryland]

Yes, I too have been a member since 1986. I just received the letter today. Also, they are charging $1.99 each month for a statement being mailed to your home. 

[icezeus]

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@Suzeecat wrote:

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@NicksmomESQ wrote:

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@MagnoliaMs wrote:
Yes, Nick’ s mom, you are right. Our Lowe’s card just went up to 31%, too. We paid it off and are not using it. If you opt out does that affect your credit rating?

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@MagnoliaMs  If you opt out it will affect your credit rating. It's best to either pay off your balance monthly or simply not use the card at all.

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I'm not sure if the credit card companies still do this, but if you have an open account with a zero balance and don't use it for a while, they will close your account, which also dings your credit score.  I have a couple cards that I charge something to once or twice a year, then pay it off the next day, just to keep the account open. 

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@Suzeecat 

Yes, they still do this. I have had a few send me a notice, that if I do not use it they will close. Like you, I will go out and purchase something small, and then pay it off to keep the card open. This has happened with Best Buy, Lowes, and Target. 

[hkrgrl]

enlighten me:

if u have a Q card, which i do not, and u pay it off each month, then how are u accruing interest on Easy Pay?  

we pay our cards off each month.  airline card and Costco card.  have both for the rewards

agree with Mr. Wilkes - get a card that pays you what u are interested in.  

i have a TJMaxx card that i rarely use anymore. maybe once a year to keep active.  $50 charge, paid in full.

my lowest card is a Citi card with 18%.... it was 4.5% for years!, but went up about 2-3 years ago....this is out other card that we use once a year to keep active... charge maybe $100, paid in full

buy what u can afford each month.  everyone gets jammed up a few times.  pay off your highest card first.  pay minimum on others.  paying one off at a time is better than paying minimum on multiple cards....

[Lady Steam]

I just cancelled the Q Card, not only did the interest rate go up, but now they are charging for paper statements.  Not everyone uses a computer.  They really dont want you to be able to track a return credit.  

I will use my Discover Card and get a paper statement to track my purchase history.  I hope I am not the only one who uses paper.

[San Antonio Gal]

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@MagnoliaMs wrote:
Yes, I will have my QCard paid off this coming statement! No more Easy Pay!!!!

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Easy Pays are zero interest if you pay your card in full each month @MagnoliaMs .  

[ladychas]

No late fees either until I tried paperless and kept gettin late notices due to missing due date. Stopped that immediately. I want my paper bill to know and remind me of the bill and due date. I immediately changed from my Qcard and HSN to cards where I get some payback rewards. Made sure all easy pays were changed to new card.  Hopefully done in time to avoid $1.99/mon billing charge.

  Very important if you change your card with either QVC ir HSN that all future billing are changed to new card. Also delete Qcard and HSN card from your accts after adding change card.

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@Nightowlz wrote:

34% interest should be against the law. Your not borrowing money from a loan shark. 

Never paid anything near that. Have not paid interest in years. Never have paid a late fee or any type of fee. 

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[ladychas]

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@Suzeecat wrote:

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@NicksmomESQ wrote:

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@MagnoliaMs wrote:
Yes, Nick’ s mom, you are right. Our Lowe’s card just went up to 31%, too. We paid it off and are not using it. If you opt out does that affect your credit rating?

---

@MagnoliaMs  If you opt out it will affect your credit rating. It's best to either pay off your balance monthly or simply not use the card at all.

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I'm not sure if the credit card companies still do this, but if you have an open account with a zero balance and don't use it for a while, they will close your account, which also dings your credit score.  I have a couple cards that I charge something to once or twice a year, then pay it off the next day, just to keep the account open. 

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If you're older ,own your home and pay cash for your auto, credit score not that important.  Mine has been in 800-850 range for the past 17 yrs since I purchased my home. I have CC I don't use and are still active and I pay all my balances in full every month.

[ladychas]

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@wilma wrote:

I just switched to paperless billing to avoid the new $1.99 fee for getting a QCard bill in the mail. I don't buy much from the Q anymore. Fortunately, I'm able to pay all my credit card balances each month. I know others can't always do that to avoid paying high interest rates. 

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Change to another card for Q and HSN purcchases that don't charge for paperless take businees away from Synchrony.  They still get a cut of every charge even if you pay your bill of in full. It's included in the price of what you are purchasing and QVC/HSN pay this.  Next change will be a transzction charge to pay for these items to hit those that pay off in full montly.  I guess that will be a notice in next 6 months. CC companies need your money to support all those that don't pay or are late paing their bills.

[ladychas]

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@bells4me wrote:

I paid my Q card & HSN card off as I got the letter saying 34.99% interest charge.  They don't tell you that when selling easy pay.  I will use my debit card if there is something I have to have. I will keep the cards open until I get all my AD.

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Is AD auto delivery? If so you can change payment to another CC with lower interest, rewards, and no surchase for paper billing. Just changed all of mine.  Been stupid not to have used the reward cards for the past 2 years since I went wild spending spree.

[ladychas]

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@hkrgrl wrote:

enlighten me:

if u have a Q card, which i do not, and u pay it off each month, then how are u accruing interest on Easy Pay?  

we pay our cards off each month.  airline card and Costco card.  have both for the rewards

agree with Mr. Wilkes - get a card that pays you what u are interested in.  

i have a TJMaxx card that i rarely use anymore. maybe once a year to keep active.  $50 charge, paid in full.

my lowest card is a Citi card with 18%.... it was 4.5% for years!, but went up about 2-3 years ago....this is out other card that we use once a year to keep active... charge maybe $100, paid in full

buy what u can afford each month.  everyone gets jammed up a few times.  pay off your highest card first.  pay minimum on others.  paying one off at a time is better than paying minimum on multiple cards....

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Very important if you change your card with either QVC ir HSN that all future billing are changed to new card. Also delete Qcard and HSN card from your accts after adding change card.