I just got off the phone with Customer service because HSN took my money then cancelled my order. She said it was because they do a “soft” credit check for flexpay….which wasn’t mentioned anywhere that I could find. I assumed flexpay was for people who didn’t want their credit card! I have my credit reports frozen for security and identity theft reasons. Had I known they were going to try to pull my credit for a $100 purchase, I wouldn’t have tried! Shady business dealings, HSN.