I’ve shopped with HSN for decades and always with MY account in good standing. When someone else shops with HSN and doesn’t pay and uses my address, I get penalized. They need to have a code or security number for customers to use who are in good standing to use on their orders. Love HSN but this is an antiquated policy. I’m not a collection agency for others.

I don’t usually miss much however the $1.99 paper statement policy I did miss. Thanks for the warning. I have several accounts with Synchrony. Also, the 32% interest rate? Isn’t that a loan shark tactic?