Hsn.com stated that you could use your PayPal account to purchase items on their website either as a full payment or as flex payments. Once I purchased the item using my PayPal account using the flex payment option, they processed the payment immediately including taxes and shipping. A few minutes after that HSN cancelled my order and still took my payment. They did a unauthorized credit check and decided to cancel the order, when they did not request a credit check from me, or without disclosing that a credit check would be done as part of the payment agreement.