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I’m not really sure what you mean. Let me tell you what I do and maybe that will help? I go to flex pay (HSN) and check my total balance & write it down. Then I go check the balance of my HSN credit card (Synchrony Bank) & write that amount down. Add the two amounts and that is the outstanding total. However, the bank does not charge you for the future flex pays, unless, of course, you go to the flex pay database on your account at HSN and choose to pay future flex pays in advance. I have not experienced a problem with this thus far. Sometimes I pay some of the future flex pays before they are due just to get them out of my hair. When I do this, I expect to see them on the upcoming bill (unless, of course, I wait til the last minute & then they appear on the next bill after that).
Nowadays I only place orders on free shipping days or on items where shipping is free.
Synchrony Bank has the highest interest rates out there and now they charge $1.99 for paper statements. I wish HSN would finance their card with a better bank. Once an HSN card balance gets somewhat high the monthly payment is almost as much as the interest. Loan shark comes to mind every time I get a bill from HSN. I have now switched my payment option to a different account so I can pay the HSN card off and cancel it. I prefer to not use pre-paid return labels because I want to confirm that I received the entire refund on my statement. It is unsettling to have to pay several dollars to return an item that was shipped to me for free. If HSN would charge less to return items that would be nice. If I purchase a clearance item w/free shipping and then return it, I should not be charged anymore than $3.50 for a pre- paid label.
I agree with you. I never open any bills on line or in fact anything that comes from a bank or company that has to do with money – I just delete emails about accounts, applications for charge cards, and anything about money and bills immediately then go to my delete box and permanently delete them. Several companies I paid on line a long time ago were hacked. These were good companies that got hacked and our info went to hackers so the companies are required to notify us that our info was taken. I was advised to change all my passwords which I did and have been notified by a credit agency that my email address is on the dark web and there’s no way to remove it from the dark web where personal info is sold, so change my passwords. This is why I have cancelled all my Synchrony charge cards. I will not be forced to get online statements or pay online and I will not pay a “paper fee”. SO far Paypal has not been hacked and it is the only way I pay on-line, but I prefer paper and mail.I mail checks as payment. I never write my full account number on my checks and my address is not included on my checks. Lots of people don’t know that you can just have your name on checks without your address. The less info out there – the better.
Today I cancelled my HSN card. It’s a shame because I have used that card for many years. However, I refuse to pay $1.99 for paper statements and I do not want to get any charge statements coming to my email address due to the fact that I ended up on the Dark Web by paying something online. Because of that I do not do anything that has to do with $ on the internet. Fortunately having paid my bills on time I never found interest rates a problem because I have been careful to pay my bills on time. However, getting a bill in paper every month would be almost $24.00 a year – it’s like being taxed to use their card, and I can’t image that sending out statements are not already factored into the cost of doing business. So , I had three cards from Synchrony for different companies and I cancelled them all. Now I will use a Master-card that I get back 2% in cash rewards,on each purchase, so I will actually come out ahead. For all of you saying eventually all cards will charge a paper charge, I will deal with that as I go along as I will never again do anything with money online – too many scammers out there and unfortunately there are no internet police who catch these guys!
Are you saying you called QVC customer service and they changed the fact you will be getting paper statement charges because they waived the paper charges, or that they changed your QVC card to a different card like a visa or master card? I already canceled two cards handled by Synchrony as I refuse to get a paper charge and I do NOT want emails concerning bills since my email address has already been put on the dark web because a few years ago Target and two other large department stores I used were hacked so now I have to have a service to get alerts if something on my credit reports look weird. It’s a pain! I will not pay paper fees and I refuse to get bills and pay on-line. I did not get the Synchrony letter for HSN yet, but I will call them tomorrow to let them know if I get paper charges I will cancel their card and use a visa. I better call because I did not receive that notice yet and I do not want the surprise of being hit with a paper fee!
I received the email yesterday. I pay off my bill entirely every month to avoid there high interest rate. Wondering if this makes them mad since I never have an interest charge.. I will call HSN tomorrow to change all my flex pay charges to another card. I had a card with Kohls and they changed there payee to Capital One about a year ago. Therefore they got rid of Synchrony Bank.
I agree with you. I have not received the HSN /Synchrony letter yet, but when I do I will call customer service to tell them why I am canceling their card. I actually already received the Synchrony Letter for two other charge cards and I already cancelled the cards and called customer service of each company to tell them why. I told them I expect you will be receiving lots of calls and card cancellations As for myself, I pay the total of the bill each month so I do not get charged interest. However, the paper charge is ridiculous and I refuse to pay a paper fee. Furthermore, my email address is already on the dark web because of bills paid by computer. I will never again use my computer to receive or pay bills. For me it is paper or the highway!
I have not received the increase letter yet from HSN, but I expect it soon. I have 2 other credit cards that are handled by SYNCHRONY BANK and I have received the increase letters for them, so today I canceled both those credit cards. For me it is not about the higher interest because I pay on time and never receive an interest charge, but I am totally against the $1.99 “paper” fee I would receive with each paper bill. When i buy paper for my computer it costs a couple of pennies per sheet, so why would I want to pay for a paper bill, not to mentions that one bill a month would add up to almost $24.00 a year – it’s like a tax! It’s not the money, it’s the principle. I realize if I go to electronic statements that fee is waived, but I do not pay bills or open statements on computer or phone, because I used to do it until my info was stolen and now that email address is on the dark web, and also someone used my card to buy dinner and stuff in Texas where I have never been, so I refuse doing anything with money on the internet. Anyway, when I get the letter for my HSN account I will cancel the card. If I want to buy something I’ll use Master Card for it and get that statement without a paper fee!
Synchrony stopped sending me paper bills without asking many months ago. I use my HSN card only when there are irresistible offers available only if using it and even then sometimes hesitate to order the discounted item. If HSN so badly wants people to use its card, perhaps they should consider using another bank to handle it. I pay my bill In full so thankfully the interest rate raise doesn’t affect me; I can only imagine how hard this will make it for those who do.
I did NOT get a letter about this for HSN yet, but I am expecting one because a already got this notice for 2 other company’s charge cards. It is SYNCHRONY BANK, who handles many companies charge cards, and it is Synchrony making these changes. I do not mind the high interest rates because when you use the value pay system and pay on time you never get interest. I always pay on time so I personally don’t care about this increase. However, I do object to a $1.99 charge each month for a paper statement. So a bill every month will add up to about $24.00 a year for just paper. Paper charges are ridiculous and I will not pay for paper! It’s not even the money, It’s the principle about paying their paper fee when a whole pack of paper I buy for my printer only costs a few pennies a sheet. I think it is their way of trying to get us all to pay by electronic means. I do not do anything with money via phone or computer because my info was already stolen once and so I no longer pay or look at billing info on the internet. Therefore, I will be canceling my cards from Synchrony as I get these notices. If I want to buy something on HSN, I can use a Mastercard or Visa. It’s really the principle here – I won’t pay for a paper bill. I will only use a charge card that doesn’t charge a paper fee!
HSN_Krissy Moderator 6 days ago
Hi, I am sorry to hear of your experience. If you pay your FlexPay with a Visa, we wouldn’t notify Synchrony Bank because they have nothing to do with a charge to a different credit card for another financial institution. I changed my payment method to my Visa. I have been fighting with my HSN card since May 23rd. They billed both cards! If that’s the way it is why does HSN allow you to change your payment method? They get two payments. I did that with many orders or I may have never noticed it. I am sure it has happened to me in the past. I am really upset. No help from HSN!!!
Where should I send paperwork? To HSN. I have already mailed it to my HSN card. These disputes started May 23rd. I received no help at all from HSN. The Synchrony bank card knows I was double billed. They should have my paperwork the middle of this week. You can’t look up payments made to my Visa card??? If you aren’t going to notify the HSN card why on earth would you let someone change a payment????? I am so mad right now. I have over $1000 paid twice!!! I believe it happens often but isn’t picked up if it’s a few charges. I’m sure it happened to me before. When it’s at least 30 transactions I noticed it & reported it to HSN & the HSN card. Please look into this! Thank you,
**Edited by HSN: Removed first and last name to comply with Community Guidelines**
I was told to call 800-933-2887. I did & they would not even listen to my problem. Synchrony bank is not showing payments made with my visa card. Apparently when I changed cards to charge my visa instead of Synchrony bank none of my payments made with my visa are showing. Everything according to HSN is paid. So they have received payments from my visa & my HSN card. I will be calling Synchrony bank when I am alone. I will never use my hsn card again. I will never do a flex pay either. HSN has a big flaw in their system. My flexpay says everything due is paid! Synchrony has me owing more than $900.00!!! Check your statements carefully. I was sick in March & April & just figured it out when I looked at my May bill.
Posted in Forum: Talk Among Yourselveswatch out for bank fraud in synchrony bank on charges to your synchrony bank account credit card if you have one for charges of a balance ( purchase) that you paid by(BANK afficial teller check) or personal check money order. i sent them an afficial bank teller check for $752.99 for a recliner i bought here at home, put it on my hsn master card, synchrony has my banks teller check, they reversed it on tl.my mastercard in the amount of $912.53. i dont purchase anything for that kind of miney because i dont have that kind of money. there looming to get money on 742.99 twice. plus almost $200.00 that i dont know anything about. in june or july they put somone eles money in my account in the amount of four thousand, two hundred that belonged to another womens bank in Alabama ” regent bank. since they had tried billing me for nine hundted, twelve fifty three. my flex pays arent even $100.00 for this month. if you make that amount of a purchase, use another bank card. DO NOT USE SYNCHRONY BANK CREDIT CARD!!. FOR THAT AMOUNT. WATCH YOUR CREDIT CARD.
Posted in Forum: Customer ServiceI set up for online bill pay but it got rejected. So I called today and they took my payment over the phone. The lady said it would show a 0 balance due. But I went back to the Synchrony website and it still shows my payment is due and the due date is tomorrow!! I’m new to this, does it take a few days for the online to reflect the payment? Or if it doesn’t show up tomorrow, then am i gonna have to pay again and incur a late fee and interest??? The money has already been taken out of my bank account and i have a screen shot to prove that.