This issue resolved itself by the 7th day. No action is required. I would like to simply say that during the dynamic nature of gift buying I’d appreciate if I need to cancel an order my money won’t be tied up for 7 days. 72 hours is tolerantable but not a week. I’m already on thin ice which is why most people shop here anyway. Who wants to pay more in the long run if you don’t have to? Anyway, no harm no foul just food for thought. I do appreciate that this option is available so thank you HSN for being about 90% reliable.

Thanks for response, I will acknowledge the funds have been made available in 3 to 4 hours time which was the silver lining here and appreciated. Nevertheless, I’ve still lost a degree of confidence in the over all process in attempting purchase via flex pay, since it’s a gamble that I may or may not be approved but moreover my funds can be placed on hold and then it becomes an issue my financial institution must decide to make available once again. I dont like this procedure and after I pay off my remaining balances I’ll be taking my business elsewhere. Thanks for your time nontheless.

Edit: A process I would find adequate would be stating the obvious. First approve or deny a request for flex pay before and money is “tampered” with in my account. It seems painfully obvious and practical. I can only assume there is some underlining issue that prevents this method, although it’s a shame it has been rectified yet because surely HSN public perception will suffer greatly with the more customers this dubious process afflicts.