I called HSN many times to make sure I was paid up and was told no problem. Never once told to check with credit card people. They called many times but never once left a message. My credit got hit hard for nothing. I don't answer 800 numbers unless they leave a message. I CANCELLED THAT STUPID CARD. A word to the wise buy nothing from these people the left hand doesn't know what the right hand is doing. I paid in full and asked them to contact the BUREAUS and clear me, and was told they can not do nothing! They can do it if they want to. If you have a card cut it up you can get a much better deal on E BAY with no trouble at all... This is what i can do, SLAM them! Not once left a message what a company!