Reply
Established Contributor
amercnchopz34
Posts: 839
Registered: ‎10-28-2011
0

Shop NBC NOT HAPPY!!!!!!!!!!!!

So I was watching TV Friday and saw a tablet that I wanted to get  for my mother in law.....I have shopped QVC before with never a issue taking advantage of the 6 easy pays.......

 

Well I purchased a tablet thru them  thru my paypal account and chose  the 6 value pays.....well I decided that day  to cancel the order......well I get an alert from USAA credit monitoring....HARD PULL was done on a value pay against my credit card that I already have....that BS ....I will do bussiness with this company ever again.......Never had down a hard pull before.....needless to say I am not happy..

 

 

Just Beware.....


Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Shop NBC NOT HAPPY!!!!!!!!!!!!

wait.... they did a hardpull on your credit report? did you give them your social?


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Frequent Contributor
CreditWorld2013
Posts: 346
Registered: ‎02-01-2012
0

Re: Shop NBC NOT HAPPY!!!!!!!!!!!!


amercnchopz34 wrote:

So I was watching TV Friday and saw a tablet that I wanted to get  for my mother in law.....I have shopped QVC before with never a issue taking advantage of the 6 easy pays.......

 

Well I purchased a tablet thru them  thru my paypal account and chose  the 6 value pays.....well I decided that day  to cancel the order......well I get an alert from USAA credit monitoring....HARD PULL was done on a value pay against my credit card that I already have....that BS ....I will do bussiness with this company ever again.......Never had down a hard pull before.....needless to say I am not happy..

 

 

Just Beware.....


The reason they did a hardpull was that they still consider it a form of extending credit. (They send you the item and the other payments are divided monthly) This also depends on the value of the item. For example, if a tablet is a few hundred dollars they will want a way to go after the person if they skip payments by cancelling the card or changing account numbers, etc. They state somewhere in their terms&conditions,etc that they may pull a hard pull. Also since they did a hard pull now if you wanted to order something else they won't do anymore pulls unless you don't shop for a while and then return. It is similar to AMEX and a Financial Review. They want to make sure you won't just order thousands of dollars in merchandise make 1 payment and run with it. So in essence, they also set an internal shopping limit of how much total debt you can have in value payments. 

Established Contributor
amercnchopz34
Posts: 839
Registered: ‎10-28-2011
0

Re: Shop NBC NOT HAPPY!!!!!!!!!!!!


CC365 wrote:

amercnchopz34 wrote:

So I was watching TV Friday and saw a tablet that I wanted to get  for my mother in law.....I have shopped QVC before with never a issue taking advantage of the 6 easy pays.......

 

Well I purchased a tablet thru them  thru my paypal account and chose  the 6 value pays.....well I decided that day  to cancel the order......well I get an alert from USAA credit monitoring....HARD PULL was done on a value pay against my credit card that I already have....that BS ....I will do bussiness with this company ever again.......Never had down a hard pull before.....needless to say I am not happy..

 

 

Just Beware.....


The reason they did a hardpull was that they still consider it a form of extending credit. (They send you the item and the other payments are divided monthly) This also depends on the value of the item. For example, if a tablet is a few hundred dollars they will want a way to go after the person if they skip payments by cancelling the card or changing account numbers, etc. They state somewhere in their terms&conditions,etc that they may pull a hard pull. Also since they did a hard pull now if you wanted to order something else they won't do anymore pulls unless you don't shop for a while and then return. It is similar to AMEX and a Financial Review. They want to make sure you won't just order thousands of dollars in merchandise make 1 payment and run with it. So in essence, they also set an internal shopping limit of how much total debt you can have in value payments. 


funny thing is 1 year ago...I ordered a laptop from them 700.00 ....no hard pull was ever done......needless t0 say will never shop with them again...I could see if you were going to apply for a Shop NBC credit card but come on ....i had ordered stuff from them in the past of high value...never a pull


Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Shop NBC NOT HAPPY!!!!!!!!!!!!


amercnchopz34 wrote:

funny thing is 1 year ago...I ordered a laptop from them 700.00 ....no hard pull was ever done......needless t0 say will never shop with them again...I could see if you were going to apply for a Shop NBC credit card but come on ....i had ordered stuff from them in the past of high value...never a pull


question is did you do the 6 payment program with the laptop back then? if not then it's comparing apples to oranges doesn't really work for comparisons. but if you did I'd be surprised they'd pull you now, regardless if your planning to do anything with a flexible payment plan if it's not a credit card, requesting information like your social always expect them to pull imo. it's better to be pleasantly surprised than to be surprised in the bad way.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor
tray
Posts: 1,513
Registered: ‎01-29-2008
0

Re: Shop NBC NOT HAPPY!!!!!!!!!!!!

[ Edited ]

WOW!!! it is very interesting that you wrote this thread the very same thing happened to me last month a HARD PULL on my equifax report,  my first time every buying from this company and the last time I purchased a watch as a christmans present, I wish this company was really more explicit with their easy pay value plans I would have never agreed to it, i would have paid in full with the credit card, as to top it off I never even gave my social sercurity number.  Well you live and learn and hopefully someone out there now will have a heads up on this company and will not suffer the same fate as we did.


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Established Contributor
amercnchopz34
Posts: 839
Registered: ‎10-28-2011
0

Re: Shop NBC NOT HAPPY!!!!!!!!!!!!


distantarray wrote:

amercnchopz34 wrote:

funny thing is 1 year ago...I ordered a laptop from them 700.00 ....no hard pull was ever done......needless t0 say will never shop with them again...I could see if you were going to apply for a Shop NBC credit card but come on ....i had ordered stuff from them in the past of high value...never a pull


question is did you do the 6 payment program with the laptop back then? if not then it's comparing apples to oranges doesn't really work for comparisons. but if you did I'd be surprised they'd pull you now, regardless if your planning to do anything with a flexible payment plan if it's not a credit card, requesting information like your social always expect them to pull imo. it's better to be pleasantly surprised than to be surprised in the bad way.

 
yes same terms...6 paymments o n credit card on file...paypal..

Moderator
09Lexie
Posts: 26,609
Registered: ‎09-13-2012
0

Re: Shop NBC NOT HAPPY!!!!!!!!!!!!


amercnchopz34 wrote:

distantarray wrote:

amercnchopz34 wrote:

funny thing is 1 year ago...I ordered a laptop from them 700.00 ....no hard pull was ever done......needless t0 say will never shop with them again...I could see if you were going to apply for a Shop NBC credit card but come on ....i had ordered stuff from them in the past of high value...never a pull


question is did you do the 6 payment program with the laptop back then? if not then it's comparing apples to oranges doesn't really work for comparisons. but if you did I'd be surprised they'd pull you now, regardless if your planning to do anything with a flexible payment plan if it's not a credit card, requesting information like your social always expect them to pull imo. it's better to be pleasantly surprised than to be surprised in the bad way.

 
yes same terms...6 paymments o n credit card on file...paypal..

This must be something new.  Last Christmas I purchased a watch for my DH from Shop NBC used the value pay and did not get a HP and it was my first time ordering from them.  They did call to verify my information a day after I ordered but I didn't think that was unreasonable.

 

This summer I purchased an iPad from HSN, flex pay I think they call theirs- no HP either. 

 

Valued Contributor
tray
Posts: 1,513
Registered: ‎01-29-2008
0

Re: Shop NBC NOT HAPPY!!!!!!!!!!!!


09Lexie wrote:

amercnchopz34 wrote:

distantarray wrote:

amercnchopz34 wrote:

funny thing is 1 year ago...I ordered a laptop from them 700.00 ....no hard pull was ever done......needless t0 say will never shop with them again...I could see if you were going to apply for a Shop NBC credit card but come on ....i had ordered stuff from them in the past of high value...never a pull


question is did you do the 6 payment program with the laptop back then? if not then it's comparing apples to oranges doesn't really work for comparisons. but if you did I'd be surprised they'd pull you now, regardless if your planning to do anything with a flexible payment plan if it's not a credit card, requesting information like your social always expect them to pull imo. it's better to be pleasantly surprised than to be surprised in the bad way.

 
yes same terms...6 paymments o n credit card on file...paypal..

This must be something new.  Last Christmas I purchased a watch for my DH from Shop NBC used the value pay and did not get a HP and it was my first time ordering from them.  They did call to verify my information a day after I ordered but I didn't think that was unreasonable.

 

This summer I purchased an iPad from HSN, flex pay I think they call theirs- no HP either. 

 


Was it a large dollar purchase I think on Monday I am calling this company and going to question their hard pull policy also if I pay the balance in full can the inquiry report moved from my credit report.


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Frequent Contributor
Sparkz1920
Posts: 271
Registered: ‎08-09-2009
0

Re: Shop NBC NOT HAPPY!!!!!!!!!!!!

I can see the logic In doing a hard pull per CC365's explanation

But I ordered a laptop from QVC with 6 payments and thank god they never did that to me.,.

Starting Score: 601
Current Score: 670
Goal Score: 700


Take the FICO Fitness Challenge

NFCU Rewards- 8K......AMEX Delta Skymiles-5k.....Citi AAdvantage AMEX-3.5K...WalMart Discover-4K....Old Navy Visa-2k...BOA-3000...AMEX Green-NPSL....Discover More-1K

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}