HSN Flexpay-credit check?

Hi all!

I have been ordering easy pay/flex pay items via QVC lately with no problems.

However, I wanted to use HSN’s flex pay program as well for holiday shopping.

I read online about how people would order via HSN’s flex pay then would be notified later that they were denied because of poor credit.

Is this true? Is HSN’s flex pay like QVC where I don’t have to worry about my credit being checked in order to qualify for flex pay? Because my credit is not that great.

Please, tell me your experiences?

I was looking to buy two iphone 6s for this christmas.