Corporate : QCard: QCard FAQs

QCard Frequently Asked Questions

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Security Information

Am I on a secure site even if the padlock on my browser is not locked?

Yes. Information about your account and other sensitive information are being encrypted on the QCard site. An encrypted item is scrambled so that no one other than yourself and GE Money Bank (GEMB) can read the message or the information you entered. The reason the padlock icon provided on your browser may not appear locked (symbolizing an encrypted session) is because the QCard site uses multiple frames to display information on your computer. The graphical header and navigation bar across the top of your screen is one frame. The selections that appear on the left are another frame. The main portion of the site appears in the remaining frame. Frames that display general information about the site, such as the navigation bar across the top of your screen, are not encrypted. However, any screen that displays or requests information about your account, user name, password, application or other sensitive information is encrypted.

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What is SSL?

SSL is an abbreviation for Secured Socket Layer. SSL technology secretly encodes (or encrypts) information as it is being sent over the Internet between your computer and GE Money Bank's systems. This encryption technology is designed to ensure that account information travels securely over the Internet and remains confidential.

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What is a "secure session" and how does it help keep my information safe?

During a secure SSL (Secured Socket Layer) session, data traveling between your computer and GE Money Bank's systems is secured using encryption technology. This SSL technology secretly encodes information about you to create a private conversation that only your computer and GE Money Bank's systems can understand.

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What should I do when I have finished viewing my account information?

When you have finished using a secure area of the QCard site, make sure you log out by clicking on the Logout of QCard link on left side of Account Summary page and then close/exit the Internet browser software (e.g., Netscape, Internet Explorer, AOL). This will decrease the possibility of anyone viewing confidential account information.

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What should I do if I am using a "public" computer?

If you use a computer that others also work on and you are uncomfortable that they may view "cached" pages after you have left the station, you should close/exit the Internet browser software (e.g., Netscape, Internet Explorer, AOL) before leaving. This will decrease the possibility of anyone viewing confidential account information.

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How can I tell when my connection is secure?

To confirm that information about you is encrypted perform the following three steps:

  • Place your cursor on an area of screen where confidential information is being displayed.
    1. a) With an Internet Explorer browser, right-click, select 'Properties.'
    2. b) With a Netscape browser, right-click, select 'View' | 'Frame Info' OR select 'View' | 'Page Frame Info' from the browser menu bar.
    3. c) For Macintosh users, Ctrl-click, select 'New Window with this Frame' OR select 'View' | 'Page Info' from the browser menu bar.
  • Check the web address that you have accessed. If you are in a secure area, the address will appear as https://www. The "s" at the end of "https" means that you have accessed a secure server.

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Technical Help

Browser Requirements

To login to the QCard site, you need a browser which is SSL-compliant and has a "secure mode". When your browser is in secure mode, you will notice an unbroken key or lock at the bottom of the page.

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Compatible Browsers

We recommend using Internet Explorer 6 and above on a PC and Firefox 1 and above on both PC and Mac. Your results may vary based on the operating system platform and the browser release you utilize.

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Are there any scheduled times when online QCard Credit Services site is unavailable?

The site should be available, except when our web server may be down for maintenance purposes. These down times would be rare and scheduled on a Monday between 12:00 am and 5:00 am.

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Web Page Issues

What should I do when I am having trouble viewing account information on the screen?

Please contact QVC customer service at 800-367-9444.

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Registration and Login Questions

How do I sign-up for online Credit Services?

You may sign up for online Credit Services by clicking Registration. You will be required to complete the on-line registration form before being granted on-line access.

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What information will I need to register for online account access?

You will need the following information in order to register:

  • Account Number
  • Social Security Number
  • Mother's Maiden name
  • Zip Code
  • e-mail (optional)

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Why do I need to enter personal information on the Registration Screen?

We require you to provide us personal information to register to ensure that your account is protected from unauthorized access.

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Is the information that I enter secure?

Yes, we use SSL encryption, an industry standard, to help protect account information about you from unauthorized access. When your browser is in secure mode, you will notice an unbroken key or lock at the bottom of the page.

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How do I change my password?

You will have to Register in order to change your password.

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What should I do if I forget my password?

You can simply re-register your account and create a new password.

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Updating Personal Information

How do I update my billing, email address, and/or phone number?

In order to update your billing or email address, and/or phone number, you can write your new address and/or phone number in the space provided on you billing statement and mail it to us.You may also call QVC at 800-367-9444.

Our mailing address is:
QCard
P.O Box 981462
El Paso TX 79998-1462

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How do I inform you of a legal name change?

Please mail a copy of the legal documents to the following address, in order to process your request:
QCard
P.O Box 981462
El Paso TX 79998-1462

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Payments

How do I know if my payment has posted to my account?

Visit the Account Summary page and confirm that the payment appears in the list of transactions. If you think the payment may have posted prior to the creation of your most recent statement, please view Prior Billing Transactions . If you think your payment occurred after the creation of your most recent statement, please view Recent Activity. This section contains transactions that have posted to your account since your last statement.

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What should I do if my payment has not posted?

If your payment was made by mail please allow 10 days from the mailing date for your payment to be processed. If your check has been cashed and it is not showing as posted, please mail a copy of the check, front and back, to the following address:
QCard
P.O Box 981462
El Paso TX 79998-1462

If your payment was made by money order, please check with the issuer of the money order and mail a copy, front and back, to the following address:
QCard
P.O Box 981462
El Paso TX 79998-1462

If your payment was made electronically, please check with your account-holding institution or electronic payment provider, they will advise you on what to do next.If your payment was made using our QCard online payment feature, call QVC at 1-800-367-9444.

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What methods of payment can I use to pay my bill?

We accept checks drawn on US financial institutions, money orders, or electronic payments. Gift certificates and other credit cards are not accepted as a form of payment.You can also pay your QCard bill online by clicking on the Make a Payment Online link on the left of the Account Summary page. These online payments will post to your account in two (2) business days.

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Where do I send my payments?

You can send your payments to the following address:

QCard
PO Box 530905
Atlanta, GA 30353-0905

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Can I get my payment due date changed?

Contact QVC at 800-367-9444 to request a new payment due date.

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What should I do if there was an error in the posting of a payment to my account?

If your statement or online account information shows that your payment was received, but it is for a different amount than you sent, please send a bank letter explaining the error along with any information (such as a copy of the check sent) that would verify that the an error has occurred. Upon receipt of this information, we will give this matter our immediate attention. Send it to:

QCard
P.O. Box 981462
El Paso, TX 79998-1462

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Can I make a payment online?

Yes. For your convenience, you can make a payment online by clicking Make a Payment Online link to the left on the Account Summary page.

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Can I make a recurring payment online?

No. At this time, our online payment service cannot accept recurring payments.

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What information will I need to make a payment online?

You need to have a valid checking account from a U.S. financial institution and the following information:

  • Bank name
  • Checking account number
  • Bank routing number.

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Where can I find my checking account number and bank routing number?

You can find this information on the bottom of your check.

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What amount(s) can I pay using online payment feature?

You may choose one of the following four options:

  • Total Minimum Payment Due - amount you must pay in order to avoid a late payment fee
  • Last Statement Balance - balance reflected in your previous statement (previous balance minus payments and adjustments plus transactions and finance charges)
  • Current Balance - all transactions since your last statement
  • Other - any amount up to your current balance.

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Can I make a payment immediately after enrolling?

Yes. You can make a payment provided it is not greater than your current balance.

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How long does it take for an online payment to post to my account?

An online payment will post to your account two days from the day you initiate your payment.

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How can I find the status of my online payment?

To find out the status of your online payment, click Make a Payment Online.

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Can I place a stop payment on an online payment?

Yes, but only if your online payment is pending or has not been processed.

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Lost or Stolen Cards

How do I report my card lost or stolen?

Immediately call QVC at 800-367-9444 to inform us that your card has been lost or stolen.

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Credit Bureau

How do I resolve Credit Bureau Questions/Disputes?

If you disagree with the information we have reported about you to consumer reporting agencies, in addition to contacting the consumer reporting agencies please write to us at the following address:
QCard
P.O. Box 981463
El Paso, TX 79998-1463

In doing so, please identify the information in question and tell us why you believe it is incorrect. If you have a copy of the credit report that includes the information in question, please send a copy of that report to us as well.

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Credit Limit

How can I request a credit limit increase?

You may request a credit limit increase by clicking Request a Credit Limit Increase.

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How can I request a credit limit decrease?

In order to request a credit limit decrease, please call QVC at 800-367-9444.

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Finance Charges and Fees

How can I avoid finance charges on purchases?

If there is no Previous Balance on your account at the beginning of the billing period, or if the sum of your payments and credits during the billing period are at least equal to your Previous Balance as of the last billing period, purchases will not incur a finance charge for the current billing period.

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How can I avoid late payment fees?

You will not be charged a late payment fee if your Minimum Payment is received before you miss two minimum payments.

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Why was I charged a late payment fee?

A late payment fee is charged if we have not received your Minimum Payment by the Payment Due Date shown on your Statement.

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Replacement Cards

What should I do if my credit card has been damaged?

In order to request a new card, click Request Replacement Card.

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What should I do if I do not receive my credit card?

Call QVC immediately at 800-367-9444.

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Account Summary Terms

What is an APR?

APR stands for Annual Percentage Rate. This is the cost of your credit, including finance charges, expressed as an annual rate. To review how your finance charge is calculated, please refer to your credit card agreement.

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Where can I find my APR information?

APR information appears in the Finance Charge section of your statement. This information can also be found in the Qcard credit card agreement, which was mailed to you with your QCard.

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What is a credit limit?

We will establish a Credit Limit for your Account. Subject to the terms of this Agreement, you may use your Account for Purchases up to the Credit Limit.

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What does "New Balance" mean?

New balance is the total unpaid amount of all purchases, debit adjustments, finance charges and fees.

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What is "Total Minimum Payment Due"?

Total Minimum Payment Due is the total of any past due amounts, current minimum payment, plus any overlimit amount on your account. This total amount must be paid by the payment due date in order not to incur further late or overlimit fees, and to keep your account in good standing.

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What is "Recent Activity"?

Recent Activity includes ALL activity on your account since your last statement. Click Recent Activity to view activity since your last statement.

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How often is Recent Activity updated?

Recent Activity appears online when GE Money Bank posts a transaction to your account or at billing cycle.

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Why don't I have any Recent Activity showing online?

Recent Activity will reflect all activity that has posted to your account since your last statement. If you have not made any transactions since your last statement, this section will not have any entries. If you have made a transaction and it does not appear, that transaction may have not yet posted to your account.

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Prior Billing Transactions

How many months of prior billing transactions can I view?

You can view up to six (6) months of prior billing transactions.

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How do I view prior billing transactions?

You can view prior billing transactions by clicking Prior Billing Transactions.

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Dispute a Charge

What should I do if I think my bill is wrong?

Please click Dispute a Charge or please call QVC at 1-800-367-9444. Please contact us no later than 60 days after we sent you the first bill on which the error or problem appeared.

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What should I do if there are unauthorized charges on my account?

You will have zero liability in the event of unauthorized use of your Account as long as you keep your account in good standing, you have exercised reasonable care in safeguarding your QCard, checks, account number and other Account access devices, and you have not reported two or more unauthorized events in the past 12 months. You may be liable for up to $50 for the unauthorized use of the Card if the appropriate conditions noted above have not been met. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized use.

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Contact Us

Contact Us

For Questions, relating to your account, please QVC at 800-367-9444. You may also write to us at:
QCard
P.O. Box 981462
El Paso, TX 79998-1462.

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More Information

No Annual Fee

Receive all benefits and more with no annual fee.

Free Additional Cards

Simply call us anytime at 1-866-549-5969 to receive up to 2 additional cards for friends or family members at no additional cost to you.

Dedicated Credit Services

Credit Services Professionals are available to assist you 7 days a week during regular business hours through our toll-free number 1-866-549-5969. If you have a question on your account, need information or have an issue with a transaction on your account, all you have to do is call and we are here to assist you.

Exclusive QVC's Merchandise Offers

As a QVC's Card cardholder you will be notified of special "cardholder only" QVC's sales and events. Take advantage of these events available to QVC's Card cardholders only.

Grace Period on Purchases

If there is no previous balance on your account at the beginning of the billing period, or if your payments and credits during the billing period are at least equal to your prior account balance as of the last billing period, purchases will not incur a finance charge for the current billing period.