HSN CREDIT CARD
I just found out today that I am being charged FINANCE CHARGES. When I was presented with the HSN Credit Card I was told there were no finance charges if item was paid in the payment program for that item.
Then I found out that you need to call every time to let the credit card company know which item the money is alloted to or they just spred out the payment over all the items.
DO NOT GET AN HSN CREDIT CARD. This was not disclosed to me and I am furious. You end up paying more than Amazon plus the fact – JUST GO THE STORES AND BUY YOUR ITEMS.
Easy to exchange in stores, no shipping or return costs.
FALSE ADVERTISING. There are products where false advertising occurs also, I purchase an item that I still havent installed because I need two people to do it – they said it was easy and one person for installation – BOGGUS.
I will pay HSN card off and never use again.
I don’t have an HSN card because I have cards with better offers but sounds like you have to do the same thing as the amazon cards regarding payments,etc.My amazon card is like this.If I purchase items for instance that allow 3 months,6 months,etc interest free then I have to choose how my payment is allotted otherwise its just applied to the card in general so the item would not have payments made especially for it so I would end up being charged interest unless I was paying in full.
Use to I had to call each time for amazon payments and it got annoying so I stopped charging very much and paid in full…Now they have finally changed it so I can do it from my online account which makes it very easy but that calling is a PITA.
All this is in the terms but most people never read all that tiny print but its there.Also if the item isn’t paid off in the time specified they will charge interest all the way back from the time of purchase and it states that in the section regarding the interest free payment offers.
I believe it’s only interest free if you pay off the monthly balance. If you have a total of $200 and all those items are on Easy Pay; yeah it’s no interest if you pay off that month’s payment in full. If you pay the minimum, there will be interest.
It’s easy if the amount is small but if not…. you pay interest.
I have the HSN card issued from Comenity Bank. The flex pay purchases can be confusing on the Bank’s website. The rule is no finance charges as long as you pay your statement amount in full each month. The monthly statement format is a lot easier to read than the website because it has a description next to the purchase.
What I don’t like is Comenity Bank will not allow me to automatically pay my statement amount each month. No I have to manually log-in each month and select the amount I want to pay and payment source. This is the digital age!! This is the only bill I have that is not set up on autopay out of my banking account! I like to travel and it annoys me that I have to fuss with this each month. It never ocurred to me that they were setting people up to pay finance charges if they don’t log on and set up a payment. I am keeping the HSN card despite these issues. I love the extra flex pays!
I have it too and don’t like it either. Does anyone know how to delete the HSN card from your account?
Posted in Talk Among Yourselves
08.15.16 10:59 AM