Flex Pay is Phony!

HSN Flex Pay is phony.  Do not use unless you want a hold on your credit card for the full amount.  I had three items with two flex pays each of $5.81 with shipping and tax my total order was $48.34.  HSN put a hold on my credit card for $21.08, $21.08 and $21.09.  So I am having held more than the total of all three items.  Then customer service tells me its a bank thing.  So I called the bank and they said HSN ran the charges through for the higher amounts.  What is the sense of having flex pay if you are actually going to hold more than the total of the items.  Ridiculous!!!!  How many people do not watch this as close as I do and maybe get ripped off by HSN.