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mistygirl25 | Admirer 2 | 03.22.2010 6:38 PM
[-x Once again my saga with the HSN credit card continues. Please be careful if you use the HSN credit card. Being charged "late fees" when a payment was mailed 2 wks. before due date is not the only major problem. I have been billed more than one flex-pay for a single purchse on one monthly statement. This has happened about 4 times in the past yr. The statement I just received I was billed flex-pays 2&3 for a purchase. 2 months ago I was billed both flex-pays for my purchase on one statement. My husband bought me a $2000 ring to be billed in 4 Flex-pays of $500. Today my statement showed that I was billed flex-pays 2 and 3, so I was billed $1000 on this monthly statement. It has happened to me so many times! I talked with WFCB, sent them documentation of other statements showing the billing and they blamed it all on HSN. HSN says it is all WFCB. So no one takes responsibility. Am I the only one having these problems?
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margaritarose | Admirer 2 | 07.11.2011 12:58 PM
dont understand your problems with the HSN credit card - you can pay online with no charge and only giving 4 days for a payment to be credited by mail is not enough time. Without the card you dont get the additional flex pays, and Ive never been billed twice in one month. Also agree with the person who said not to pay with debit card for online purchases. Not all banks cover charges with this. I had a problem with the old bank HSN used getting them to stop an automatic payment I was making every month. Never did get that straightened out and had to pay my bank for a stop payment on those withdrawals - nothing else worked. So far so good with the "new" credit card.
Lolo899 | New Friend | 07.10.2011 8:48 PM
I searched the internet on the topic of "assessing late fees by HSN" and this forum came up in the search results. I have been reading these posts and am also among those who have been assessed late fees unnecessarily. I have mailed my last two payments 8-12 days before the due date, and on top of that, have doubled my payment and have been assessed late fees during both cycles. I just find it impossible to believe that the payment would take 7 days to go from Albuquerque to San Antonio and suspect that the credit card company is fraudulently assessing late charges. Isn't that illegal?
mountaincat | Frequent Visitor | 06.20.2011 6:40 AM
I've had an HSN card for years and always pay online and have never had a problem. It sounds like snailmail is messing you up by crossing statements. You don't need a debit card to pay online. Just enter your checking account number and routing number. It takes a few days to process it, so try to pay at the beginning of the week as opposed to say Friday. Nothing gets done on the weekend.
MariannAZ | Admirer 3 | 06.04.2011 8:49 PM
so sad to read everyones troubles. I have the HSN mastercard for over a year now and have had no troubles at all. I pay my bill online, and, no they do not charge you to pay online. otherwise i wouldn't do it! It's really simple, and makes my life easier.

hope all resolves for everyone!
CathySez | Admirer 1 | 06.02.2011 5:40 PM
Unsure what home shopping does to people with their credit card is legal.
Grammi2four | Admirer 3 | 06.02.2011 11:55 AM
I had the same issue with a late charge once and that was enough. I write my bill in full the day it hits my mailbox and it goes out the very next day so I know it was there long before the due date.

I called and talked to CS rep but in the end I just stopped using the card. I don't care what coupons or easy pays they offer (where you have to use the hsn card) I'm not using it again ever.

They (the bank) obviously doesn't have enough people to process them in a timely manner and that's why they are processing them late and sticking us with the charge. They make more money that was also. For them, it's a win-win. They need to hire some people and get some off the unemployment rolls.

I'm just using my other card on everything now. No problem. It's with my bank that I've been with for many years. Never carry a balance and never had a fee or problem.

Have a fabulous day ladies



mamawlydia64 | Admirer 2 | 05.31.2011 7:05 PM
Sure glad to read these reviews of the HSN cards. Was just about to try to get one
and decided not to. Decided to just get one item if possible. Thanks for the insight
on these cards. I guess I can just go without! Would rather do that then have the
hassle.
Erniee | Admirer | 05.12.2011 10:43 PM
I've been experiencing issues with this card as well. I send in payments well before the deadline only to have them take forever to process plus charge a late fee for payments that go in on time. Also, I dislike how information is misleading like when it comes to making payments online. The FAQ says you won't be charged a fee yet when you read the terms on the on the agreement it clearly states that there will be a fee for using the online system to make payments (a large one at that). Can't wait to pay it off and cancel it.
[-(
mistygirl25 | Admirer 2 | 10.18.2010 3:24 PM
=d> It's good to hear that your bank limits the amount that you can withdraw using your debit card on a daily basis. Not all banks do this. As for the security code, you still have to give the security code when ordering over the phone or on-line for the transaction to go through, unless the debit card companies have come up with a new procedure that I am not familiar with.
MitzyKucan | Admirer 3 | 10.17.2010 1:01 AM
The debit card has the same 3 digit security code as a credit card, and at least my bank requires you establish an amount limit for daily transactions. Anything over this limit will not be allowed.
mistygirl25 | Admirer 2 | 10.16.2010 9:56 PM
:-k That definitely seems to be the "explanation" for a lot of payments that the credit card Co. gives; "we didn't receive your payment" and then it is posted to your account one day after the due date so they can charge a late payment. As for the Debit Card, my son-in-law is a Financial Consultant/ Stockbroker with Paine Webber and he told us that we should never give out our Debit Card number or use it on-line because it is connected directly to your checking acct. Your checking acct. can be wiped out. There are some banks that say they will cover your checking acct. if that were to happen, but not all of them will. We used to use our Debit Card all of the time for orders over the phone and on-line, but not anymore. Be cautious!:-k
starsdancing | Admirer 3 | 10.16.2010 1:39 AM
I mailed my payment on Sept. 6th, it was due the 10th. It only takes 3 days for them to get my payments, they had an extra day to credit my bill, but they didn't credit it until the 13th, now they are trying to charge me for the Sept. payment again! I refuse to pay the same bill twice, I am only paying this months payment and sending them a note telling them so!


I have two other bills that are due on the same date as the HSN credit card. I mail them in plenty of time. The other two are farther away, yet they receive and cash my check with days to spare. HSN says it didn't receive it in time and cash the check the day after the due date. I will never use this card again. HSN you can keep your worthless coupons you send to use with this card. I know longer trust HSN nor the credit company HSN selected to represent them.
MitzyKucan | Admirer 3 | 10.15.2010 12:58 AM
;-); If I may offer an alternative - use a bank debit card for your flex pays.

1. You know exactly when the payment is due as HSN provides the date. No two payments are billed in one cycle. Set the money aside, so that when the due date arrives, the money will be in the bank on the withdraw date.

2. You incur no finance charges and no late fees. There is no payment to mail or process (as the current HSN bankcard seems to need extra time to process payments) and then assesses late fees.

3. It helps one budget money and you enjoy the comfort of knowing you had the use of free money over the flex period and you did not make any credit card company richer. =d> =d>
Ciboney | New Friend | 10.14.2010 4:44 AM
[-x I have had the two flex pays billed in one month..When I asked about .....HSN and the credit card company that has the HSN Card both did not have a good explaination except that your billing dates are sometimes less than 30 days....It sure is mis-leading when they represent Flex-Payments are billed in increments ....Very,very misleading and misrepresentation of what they try to present to you in their presentations......I just do not buy as much anymore..Why should I when they do not tell the truth.......[-x [-x
lydiasmom | New Friend | 10.09.2010 3:44 AM
I mailed my payment on Sept. 6th, it was due the 10th. It only takes 3 days for them to get my payments, they had an extra day to credit my bill, but they didn't credit it until the 13th, now they are trying to charge me for the Sept. payment again! I refuse to pay the same bill twice, I am only paying this months payment and sending them a note telling them so!
lydiasmom | New Friend | 10.09.2010 3:44 AM
Hmmm, it posted twice?!
mistygirl25 | Admirer 2 | 03.22.2010 9:48 PM
:-k Thanks Bassetbabe! I too, have my flex-pay schedule as I print each one out, however WFCB changes the closing date on the monthly statement each month, instead of having a fixed closing date as my other credit card companies do. This sets the customer up to be billed multiple flex-pays for one purchase. The multiple flex-pays are usually billed the first day of the month cycle and then the last day,making the customer being billed for 2 flex-pays. If they used a fixed "closing date" for monthly statements this would not happen. I imagine that their are many customers who don't realize they are being billed 2 flex-pays on one statement for one purchase. I talked with HSN again today and they were much more receptive to the problem and a Supervisor was involved this time. If WFCB continues this practice of billing more than one flex-pay per statement, then it is not flex-pay. I researched WFCB,ran across a couple of hundred customer complaints against this company, from holding payments and then charging late fees to inefficient billing. Never had these problems with the HSN card until WFCB took over.
BASSETBABE | Inspirer 2 | 03.22.2010 8:55 PM
Mistygirl,I am so sorry you have had so many problems with the card.So far,I have not.

I looked up at the top of this page for my order status and it had been a while since anything I ordered was on flex-pay.I went back to Oct of last yr and found a flex-pay item.It listed the amounts and dates each payment would come out.

If yours was charged before those dates, that is not fair.Could a HSN supervisor not help?They are usually very helpful to me.

I hope you can get this rectified soon.
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Admirer 2
mistygirl25
Posts: 31

RE: HSN card

=d> It's good to hear that your bank limits the amount that you can withdraw using your debit card on a daily basis. Not all banks do this. As for the security code, you still have to give the security code when ordering over the phone or on-line for the transaction to go through, unless the debit card companies have come up with a new procedure that I am not familiar with.
Please use plain text.
Admirer
Erniee
Posts: 8

RE: HSN card

I've been experiencing issues with this card as well. I send in payments well before the deadline only to have them take forever to process plus charge a late fee for payments that go in on time. Also, I dislike how information is misleading like when it comes to making payments online. The FAQ says you won't be charged a fee yet when you read the terms on the on the agreement it clearly states that there will be a fee for using the online system to make payments (a large one at that). Can't wait to pay it off and cancel it.
[-(
Please use plain text.
Admirer 2
mamawlydia64
Posts: 41

RE: HSN card

Sure glad to read these reviews of the HSN cards. Was just about to try to get one
and decided not to. Decided to just get one item if possible. Thanks for the insight
on these cards. I guess I can just go without! Would rather do that then have the
hassle.
Please use plain text.
Admirer 3
Grammi2four
Posts: 1,085

RE: HSN card

I had the same issue with a late charge once and that was enough. I write my bill in full the day it hits my mailbox and it goes out the very next day so I know it was there long before the due date.

I called and talked to CS rep but in the end I just stopped using the card. I don't care what coupons or easy pays they offer (where you have to use the hsn card) I'm not using it again ever.

They (the bank) obviously doesn't have enough people to process them in a timely manner and that's why they are processing them late and sticking us with the charge. They make more money that was also. For them, it's a win-win. They need to hire some people and get some off the unemployment rolls.

I'm just using my other card on everything now. No problem. It's with my bank that I've been with for many years. Never carry a balance and never had a fee or problem.

Have a fabulous day ladies



Please use plain text.
Admirer 1
CathySez
Posts: 19

RE: HSN card

Unsure what home shopping does to people with their credit card is legal.
Please use plain text.
Admirer 3
MariannAZ
Posts: 163

RE: HSN card

so sad to read everyones troubles. I have the HSN mastercard for over a year now and have had no troubles at all. I pay my bill online, and, no they do not charge you to pay online. otherwise i wouldn't do it! It's really simple, and makes my life easier.

hope all resolves for everyone!
Please use plain text.
Frequent Visitor
mountaincat
Posts: 5

RE: HSN card

I've had an HSN card for years and always pay online and have never had a problem. It sounds like snailmail is messing you up by crossing statements. You don't need a debit card to pay online. Just enter your checking account number and routing number. It takes a few days to process it, so try to pay at the beginning of the week as opposed to say Friday. Nothing gets done on the weekend.
Please use plain text.
New Friend
Lolo899
Posts: 1

RE: HSN card

I searched the internet on the topic of "assessing late fees by HSN" and this forum came up in the search results. I have been reading these posts and am also among those who have been assessed late fees unnecessarily. I have mailed my last two payments 8-12 days before the due date, and on top of that, have doubled my payment and have been assessed late fees during both cycles. I just find it impossible to believe that the payment would take 7 days to go from Albuquerque to San Antonio and suspect that the credit card company is fraudulently assessing late charges. Isn't that illegal?
Please use plain text.
Admirer 2
margaritarose
Posts: 192

RE: HSN card

dont understand your problems with the HSN credit card - you can pay online with no charge and only giving 4 days for a payment to be credited by mail is not enough time. Without the card you dont get the additional flex pays, and Ive never been billed twice in one month. Also agree with the person who said not to pay with debit card for online purchases. Not all banks cover charges with this. I had a problem with the old bank HSN used getting them to stop an automatic payment I was making every month. Never did get that straightened out and had to pay my bank for a stop payment on those withdrawals - nothing else worked. So far so good with the "new" credit card.
Please use plain text.
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