Caution, caution, if you buy something through flex pay. You will have an insufficient fee hit your account if you have just enough money for the first payment. I suggest you run from this as fast as you can. Do not buy anything from HSN on flex pay. They will make show as if you have been double billed and tie your money up for 72 business hours until the item comes off pending. You will seriously regret making the purchase, if you try to talk to customer service about it. They will take the approach that nothing can be done, you have to wait the full 72 business hours for the pending to come off. I know this because I went through it. I will never buy anything from HSN.com there ever again, period!