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Admirer
shegirl
Posts: 8

Flex pay and statements?

Hi, I haven't posted in so long, and never experienced this before, but I purchased a couple of items in August, chose flex pay x2... receivd my most recent statement and there are separate charges for all the flexpays??? I guess I'm saying rather than per my choice to be billed as normal in 2 months the entire purchase price of the items are in 1 statement but listed as 1 of 2 then 2 of 2?? That just rubs me the wrong way. That is the reason I chose the flex pay... if I wanted to pay for it all in one payment I would have purchased the items straight out. Does anyone agree or have you experienced this problem? I feel like of mislead. I do understand 30 day billing, but in all fairness to the customer, they should have rolled the 2 of 2 in the next billing period in my opinion... ok now that I 've vented....
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Admirer 3
devia
Posts: 13,704

RE: Flex pay and statements?

my hubby told me never to use the flex-pay as it's to confusing and i would never get them paid...that's all i know!!!!=d> :d/ [-x
"smile it's free"!!! "gotta -love-it" !!!!
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Admirer 3
starsdancing
Posts: 370

RE: Flex pay and statements?

I was going to do a post stating beware of HSN's credit card. I have never had this problem until HSN changed credit card companies. I used the HSN credit card to purchase an item on flex pay. Two or three times now I have been charged more than one flex pay on my monthly statement. It happened again this month. I ordered an item with 3 flex pays and 2 of the flex pays were charged in one month. I have never had this problem with QVC. I no longer trust the HSN credit card and do not plan to use it again.
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Admirer
shegirl
Posts: 8

RE: Flex pay and statements?

Well. guess it wasn't just me, that is sad. I called CS and they were no help, so I was transferred to the "bank" and I told him what I basically stated in my earlier post and that I am not paying interest on the payment for 2 of 2 this month! I told him it was deceiving and misleading when flex pay is offered and then the total price of the product(s) are billed on the same statement! I really don't care that the purchases sometimes fall where is a 30 day window. As I said before, that is not my problem, they should roll over the balance in to the next statement, hence the flex pay??? I asked him what he intended to do to make this fair for both of us being that he obviously could not remove the 2 portion of the flex pay. He agreed to credit me the interest that it would have accrued. I felt that was fair, but everyone beware... I have never had problem w/my HSN card before... but I do always go over all credit card statements w/a fine tooth comb....thx for everyone's input... very interesting...
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Admirer 3
devia
Posts: 13,704

RE: Flex pay and statements?

yes very interesting for-sure....](*,)
"smile it's free"!!! "gotta -love-it" !!!!
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Admirer 3
starsdancing
Posts: 370

RE: Flex pay and statements?

Well. guess it wasn't just me, that is sad. I called CS and they were no help, so I was transferred to the "bank" and I told him what I basically stated in my earlier post and that I am not paying interest on the payment for 2 of 2 this month! I told him it was deceiving and misleading when flex pay is offered and then the total price of the product(s) are billed on the same statement! I really don't care that the purchases sometimes fall where is a 30 day window. As I said before, that is not my problem, they should roll over the balance in to the next statement, hence the flex pay??? I asked him what he intended to do to make this fair for both of us being that he obviously could not remove the 2 portion of the flex pay. He agreed to credit me the interest that it would have accrued. I felt that was fair, but everyone beware... I have never had problem w/my HSN card before... but I do always go over all credit card statements w/a fine tooth comb....thx for everyone's input... very interesting...


That is terrible you had to go through such a hassle. The sad thing is though HSN heavily promotes this card on-air, they don't care if customers are being deceived. For me the solution will be not to use it. I have been shopping with HSN since the 1980's and I no longer trust HSN. All the changes at HSN over the last year have been negative ones.
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Admirer 3
HITSVILLE
Posts: 1,568

RE: Flex pay and statements?

That's weird. I never use the HSN card. But on my billing statement for my card, which draws from checking, I will see charges for 1 of 3, 2 of 3 and 3 of 3, but they all fall on the original date of purchase, say the 13th of the month.

if the charges were on the last day of the month, which fluctuates, that would be the issue I think, because your billing period changes. like, if you ordered a product on the 31st, and next month only has 30 days you will be charged 2 of 2 on the 30th, not the 1st. If your billing period ends on the last day of the month, that is going to happen for flexpays started on the last day.

I don't know, that is confusing and I'm not sure I made any sense there. I don't think any bank will remove a charge unless it was not authorized, which of course you have to do when you choose flexpay. He at least removed the interest which is good. If you want to use the card in the future, I am sure you can call the bank and ask that your billing period be changed so this doesn't happen again. Most companies will do that, even my car loans and stuff will. What they won't do is extend a billing period. It's just confusing and frustrating.

That would be the same for auto-shipments, if you set one up on the 31st, you can expect some to be charged on the 30th unless you change the date in advance.

Meanwhile, it doesn't make you feel warm and fuzzy, does it?

Here's what the official statement is:

Authorizing Installment Payments

For FlexPay and AutoShip orders placed using a debit card, we are required to obtain your authorization to debit your account on an installment basis.

This Order Review page shows a summary of the charges that will be made to your debit card in the future. We recommend you print this page so you know when the charges will be made and when the funds will be automatically withdrawn from your bank account.

Please click the authorization checkbox, then click the "process order" button to complete your purchase.
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Admirer 3
starsdancing
Posts: 370

RE: Flex pay and statements?

Hitsville, on my HSN statement it doesn't matter what date it falls on. If your first flex pay charge was on the 20th than flex pay 2 and 3 should be on the 20th of the falling months. Not with the HSN charge card, though. For that item they will bill you flex pay number one and flex pay number two in the same month. It defeats the whole purpose of flex pays. I have had this happen to me before and the order dates were different dates. I have been shopping with QVC since day one and this has never happened with QVC.
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Admirer 2
susie1130
Posts: 1,542

RE: Flex pay and statements?

I think I may know what is throwing some people off. Flex pays are billed every 30 days. So, in any month with 31 days the payment date will go back one day. If your first payment is Aug. 15 , for example, the next one will be due on Sept. 14 because there are 31 days in Aug. The next one will be due on Oct 14 because there are only 30 day in Sept. They go by days , not callender months. When you place your order online, it will list what days the flex payments will come out. Just keep track of the months with 31 days and you will remember that the payment will come out one day earlier during those months. HTH
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Inspirer 1
AQUAFINA
Posts: 730

RE: Flex pay and statements?

Thanks for posting this. For a split second, I thought of obtaining an HSN card. I think NOT. I've used flex pay before but on a regular cc. I didn't have the problems everyone had.
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