I have been a QVC customer since 2009 and have used their easy pay method of payment for some large ticket items. In 2010, I purchased a laptop with all the bells and whistles, which was well over $1,000.
The item was top of the line and came with well over a few hundred dollars worth of software. I paid it off and never purchased a larger ticket item until July 2013. I purchased a cell phone that, unbeknownst to me at the time of purchase, could't pick up the 4G LTE in my area but only picked up 4G WiMax, which is not in my area and being phased out by my carrier. Before making the return, I called CS to let them know why I was sending the phone back and the CS rep made the new order for me with the bank card I had on file.
Meanwhile, the first easy pay payment for the order I just sent back went through. No problem there, as I understand my money will be refunded when the item is received by them. Three days later (today), I check the status of my order and it status is "Contact CS." I contact CS and they tell me that they will not process the order any further on easy pay unless I give them a major credit card or I can pay the item off with my card on file. I asked them why and they told me their policy is simply no easy pay with prepaid or bank cards, only major CCs.
I reminded the rep that I have always used my bank card to buy big ticket items from them on easy pay and that they have never had a problem with me paying. The rep agreed with me. The rep then told me that they tend to check the type of card a customer uses if the customer is new or has had a problem in the past. The rep also said that despite me being a long-term customer with a good record, someone must have checked because the item was big ticket, in other words, after all these years, someone decided to do his or her job.
I asked if my history with them would allow me to continue with the purchase and I was denied. I informed her that not everyone has or uses major CCs (especially in a bad economy). So, despite having been a customer with a solid payment record, no easy pay. I understand that policy is policy but my experience, since 2009, is that they have NEVER enforced this no bank card policy (not with me, anyhow).
Further, they have to know that many people are using bank and prepaid cards these days, so refusing to offer the same type of offers to these customer will narrow their customer base. Anyhow, after all these years of never having a problem with QVC, I'm done with QVC.