HSN conducted a credit check for flexpay without consent. They debuted my bank account for the first flexpay and cancelled the order for a laptop. The company always says eveyone qualifies for flexpay and there is no credit check. I’ve been a customer for years using Flexpay and this is the first time it happened to me. I will no longer purchase from this company. Their customer service and Flexpay center were rude. The person I spoke with that informed me of the credit checks did not ask for any of my information.