Has anyone applied for a HSN rewards credit card lately? It's suppose to be when you sign up, you will be able to use the $20.00 coupon right away. The coupon is only good for 15 days so I was wondering if you can use your credit card right away and get the coupon right away as well.
Thanks for any help in this matter....
Well, I just tried and was told I have to be reviewed which will take 7-10 days...then all the shopping I want to do now will be done and I won't be able to use the $20.00 coupon. I wanted to put all my AL purchases on it to earn points but I guess not.
Very disappointed....but I tried!!!
JayJay, I have never applied but have friends and co-workers that have. Some get approved at time of application (or they say they do) and others get notification later.
If you have not applied for credit in a long while, it may be that the credit agency(ies) have to get an update on you.
Believe it or not but I saw a letter to a co-worker that they did not qualify for a home loan they applied for because the husband at the age of 45 had never borrowed money. I know this if off the subject, but who knows why some people get an immediate response and some don't. It definitely does not mean it is negative as you well know.
Sorry you missed out of the $20 coupon. I certainly know what it feels like to never have any coupons to use.](*,) ](*,)
It's just even if I do get approved, I will be done buying in 10 days. I usually don't have any problems but I guess these days, everyone is being more careful. I have about 6 credit cards and pay them off monthly so not sure why there is a problem but I guess I'll wait it out and have it for later purchases.
I have several coupons, it was just the $20.00 has to be used within 15 days and by then, I won't be buying anything!
If you think that's your biggest problem ,wait til you see what the rate % on your purchases for that card are. My credit score is in the mid 700s and when I got the card in the mail I found out that the rate was at 22%. This past Jan, before the new laws went into effect, the banks that give the cards out for HSN and QVC increased their rates to 26% even though we were never late, or over limit on any cards or bills. Those of us who have ,can and always pay our bills on time are paying a very big price for those who couldn't because of job loss or just wouldn't.
2old2care....are you saying they charge a % to customers who pay their bills on time? I lost you .... I always pay my balance in full and hope that I am never late on payments....late payments can cause a mess to straighten out my account.