Beware of HSN. If you order on flex pay, watch your payments very carefully. If you want to pay in full before your flex pay date is up, you will still be charged! They will show a credit balance on your account and then they will charge another payment and tell you you don't have a credit balance. They are rip offs! Their customer service is extremely combative and rude to say the least. I will NEVER buy anything from them again. For those that have not experienced what others have... you will eventually. I had a good experience at first too. Once they have you - then they begin their creative accounting with you and rip you off.