Just discovered the HSN Credit Card? It may be that you found out the HSN Credit Card while you were on a shopping spree to the HSN retail stores or HSN.com. The retail store chain has crafted the credit card, especially for its shoppers. If you love shopping at the HSN you could add this card to your fleet and have a nice time saving while making hefty purchases at the stores.
What is the Credit Card All About?
The HSN Credit Card is issued by the Comenity Bank for usage at HSN.com and HSN retail stores. HSN Credit Card has a number of benefits when used for purchases at the HSN.com. It is the right choice for dedicated shoppers of the HSN who tend to pay in full every month.
People with good or excellent credit would find the credit card extremely handy has it is easy to get approved in those situations. The credit is among those superior in-store credit cards that have great credit options for those with superior credit. Read on for a detailed insight into the HSN Credit Card.
Benefits of the Credit Card
- There is a deferred interest feature that lets you save on interest if paid in full within 9 months on eligible electronics, crafting tools, furniture and mattresses.
- Using the card for purchasing jewelry and fashion items you get ExtraFlex.
- The VIP easy returns feature allows the user to get a $5 spendable cash on using the Easy Return Label on anything purchases with the HSN Credit Card.
HSN Credit Card Rate and Fee
|Regular APR of the HSN Credit Card is 28.99%|
|The annual fee is $0|
|Purchase introductory APR rate is none for the 9 months.|
|Late payment fee is $38.|
|25 days are allotted as the grace period.|
|Cash advances are not allowed.|
HSN Credit Card Review
Decent Store Features– HSN Credit Card is alike every other in-store credit card topped with benefits such as no annual fee.
Good for HSN.com Shoppers– As you know the credit card is issued by the Comenity Bank for use at the HSN stores it has a few privileges for in-store shoppers.
Lacks Ongoing Rewards– The HSN Credit Card has no on-going rewards such as cash backs which is not standard on an in-store credit card. It is certainly no good with no rewards, intro bonus and cash backs.
Hazardous Financing– Do not get the HSN Credit Card unless you have good or excellent credit. The credit card’s 0% intro APR is dangerous as it lasts only 9 months after that you have to pay high-interest rate as per your creditworthiness.
What All Do You Require to Get the Credit Card?
- You should have a fair credit score.
- Be a resident of the U.S with a valid Social Security Number
- Should have completed at least 18 years of age.
How to Apply for the HSN Credit Card
Step 1– In order to apply for the HSN Credit Card, you should open the application page www.hsn.com/article/hsn-rewards-visa-credit-card.
Step 2– Click on the ‘Apply’ link below and sign into your existing HSN account. If you do not have an account you can register for one.
Step 3– Next the user needs to fill out the billing address information section with the following data:
- Full Name
- Phone Number
Step 4– Proceed to the next section and enter the following personal details:
- Date of Birth
- Annual Income
Step 5– Read the terms and conditions of the credit card and check the box below to provide consent. Click the “Submit Application” button and wait for approval.
Check Application Status
Customers who wish to check application status need to call on 1-800-933-2887. Provide your application reference number and you are ready to go.
How to Activate Credit Card
In order to activate an HSN Credit Card, you need to sign into your HSN Credit Card account which is activated at the time of online banking set up.
Once signed in you will find the activation tab. Provide your card number, 3 digit code at the back of the card and cardholder name to activate.
How to Log in
Step 1– If you wish to sign into HSN Credit Card account you need to go to the sign in page. d.comenity.net/hsn
Step 2– Enter the username and password and click on the ‘Sign In’. The system will re-direct you to the account dashboard.
Forgot Username or Password
Step 1– If you have lost access to your account login credentials then you can reset the password by visiting the login page.
Step 2– Click on the link reading “Forgot your username or password”. Next, you will be redirected to a new webpage. Enter the following details to go ahead with the password reset:
- Account number or username
- Zip code/ postal code
- Identification type
- Last 4 digits of SSN
How to Register
Step 1– In order to register for a new account, you need to visit the login page and click on the ‘Register for Online Access’ link.
Step 2– Enter the credit card account number, zip code/postal code and identification information to proceed with the procedure.
How to Pay Credit Card Bills
To pay credit card bills online you must log in. Once logged in there will be a payment tab on the account dashboard.
Click on it and there will be payment form. Enter the desired payment details and confirm to pay.
Pay via Mail
If one wishes to pay through mail then he/she should send the payment at the address below:
Comenity Bank PO Box 182273
Columbus, Ohio 43218 1-800-675-5685
Set up Auto Debit
Customers can also set up auto debit in order to pay without any hassle. Once you set up auto debit the bill amount will be automatically deducted from your checking or savings account.
HSN Company Overview
HSN is an American home shopping network and broadcast, basic cable and satellite television which are owned by the Qurate Retail group. The brand is a subsidiary of the Cornerstone Brands. HSN or Home Shopping Network is headquartered in St. Petersburg Florida, United States. Currently, the Home Shopping Network has its channels operational worldwide.
The Bottom Line
At the end of the day, the HSN Credit Card can be considered an average deal. It has more disadvantages than benefits. You can get it if you are a regular shopper at the HSN.com. Usage is quite easy and the card offers 24×7 online account management console. The credit card is not good for people who tend to carry the balance.