Commonly Asked Questions 

 

Question:  Can I use the card anywhere?

 Answer:  Yes youcan use the card anywhere.  You get extra reward points if used on our website.  If any funds are remaining or you decide to use it for travel needs other than booking the vacation, it works just like a debit card whereever they accept MasterCard.

 

Question:  Is there a number to check my balance?

Answer:  Yes you will be given a 24/7 customer service number when the card is issued.

 

Question:  Is the funds on my card quarnteed.

Answer:   Yes, just as if the money was in a bank account.

 

Question:   How much does membership cost?
 Answer:   Basic eLayaway membership is absolutely FREE. You can upgrade to eLayaway Advantage and build your credit for only $8.95 per month.
 

Question:  What does it cost to use eLayaway?
 Answer: eLayaway only charges a one time transaction fee of 1.9% on the layaway total. That’s $1.90 for every $100 spent. eLayaway Advantage members are not charged any transaction fees.
 

Question:   How does eLayaway work?
 Answer: eLayaway is an automated payment system that automatically drafts your bank account using ACH technology provided by HSBC Bank. After selecting a product and payment schedule, your payments are automatically deducted until the purchase is complete. Once the purchase is complete, your product is shipped to your doorstep.
 

Question:  How Does eLayaway Advantage help my credit?
 Answer: Your eLayaway payments will be reported to PRBC to build your FICO® Expansion® Score..
 

Question:  Is my money secure with eLayaway?
 Answer: We understand how important it is for your money to be secure. We have partnered with HSBC to keep your money safe. HSBC is an FDIC insured bank with over two trillion dollars in assets.
 

Question:  Your system holds customer sensitive information. What measures are taken to ensure that is safe from hackers?
 Answer: Our system is monitored and scanned once a week by Control Scan's Verified Secure Vulnerability Scanning Service to ensure that our system is secure. We only collect essential information that is already printed on your personal checks.