HSN is affiliated with Comenity Bank and they will do everything they can to try to make you pay more for the item you ordered and destroy your credit in the process. Their whole payment system is designed to confuse the customer and get you to make more payments and if you don't they send it right to the credit bureau's... I'm actually in the process of suing this company! BE WARNED: DO NOT ORDER FROM THEM - TOTAL RIP-OFFS!