Better hope you do not have an issue with them or Synchrony Bank, have been dealing with this issue since November of 2022, yes it is September of 2023 and I'm still having to call them every month as I do not owe them anything. I have emails from disputes saying they refunded my ez payments and that all future charges have been removed but yet I receive an email every month saying I missed a payment. When I call QVC they say its a Synchrony issue and to call them. When I call Synchrony they say it's a QVC issue and to call them.