I neverrrrrrr had issues when attempting to purchase items in small payments. My sister recommended to use hsn as it carried more affordable laptops for school yet I was DENIED ALL THREE TRIES AND STILL HAD MY MONEY TAKEN OUT, PUT AS PENDING making it unavailable for me to use for important responsibilities- rent, transportation, lunch. Almost $300 dollars that I can’t use until my “bank releases these funds” Customer service claims for my own privacy they can not tell me why I didn’t “qualify” on flexpay yet someone from HSN told me flexpay will be able to give me the reason over the phone before the letter in the mail comes. Very unknowledgeable customer service and this company lacks proper explanation on there website as this is not something you need a credit check for why would someone even get denied when It is evident they have the funds to pay for it clearly you guys would know since you took it quickly then to actually approve me…Same reviews are being expressed since 2016 and yet no one has tried to make this better???? I am livid.