Yes, by keeping your balance low and making on-time monthly payments, you can qualify for special deffered billing and price offers on our larger ticket items.

By managing your account responsibly, and making all of your payments on time, you’ll be eligible to receive these special catalog mailings.

Yes, you can use your MetaBank/Fingerhut Credit Account to purchase other items, but only through Fingerhut partners. Click here to purchase items such as flowers, magazine subscriptions and even insurance from our partners. Although your MetaBank/Fingerhut Credit Account has terms like those of a regular credit card, you cannot use it anywhere that Visa or MasterCard are normally accepted. Make sure to stay current with your payments in order to take advantage of these services. Also, by making timely payments on your Fingerhut Credit Account, you may be approved and receive better rates for major credit cards or loans.

Most issuers calculate interest daily, so the longer you delay payment the more you pay. Moreover, failure to make payments on time can lead to late fees, higher interest, as well as negative reporting on your credit history. For these reasons, do not underestimate the negative impact of late payments.

Yes, it will dramatically impact you in negative ways. By not managing your credit wisely you’ll most likely get less desirable terms (higher minimum monthly payments, credit line decreases, etc.) and you’ll end up paying more than the typical customer. This is because the lender is taking a greater risk due to your poor financial performance.

Your payment is due no later than the payment due date listed on your billing statement. This is also where you’ll find your minimum payment amount. This information and the ability to make payments online are available at fingerhut.com under My Account and by phone at 1-800-208-2500 using our automated voice system.

Fingerhut has several easy and convenient ways for you to make your payments: Mail your check or money order and payment coupon in the remittance envelope included with your statement by the Mail By Date to:

• Fingerhut
  P.O. Box 166
  Newark, NJ 07101-0166
  
• Log on to fingerhut.com and click on My Account to make a payment using your checking or savings account or a Visa, MasterCard, or American Express
• Call 1-800-208-2500 and use Fingerhut’s automated phone payment system
• Use your bank’s bill pay feature

• To avoid late fees
• To keep your account current, which allows you to continue purchasing within your credit limit
• To be considered for future credit line increases
• To build credit history with Fingerhut, and other lenders or credit bureaus

No, you cannot skip next month’s payment if you make more than the minimum monthly payment the month before. You will also still be charged finance charges as long as you have a balance. While you still have to make a payment every month, it is beneficial to pay more than the minimum amount to be able to pay off your balance sooner and have lower finance changes overall.

Yes, you are able to set up automated monthly payments from your bank credit or debit card or automatic withdrawals from your checking or savings account. You can schedule the date and the amount (minimum payment, fixed amount or the entire balance). Call 1-800-208-2500 to set up automatic payments.

Fingerhut recognizes customers may have unique circumstances that make timely payments more difficult at certain times during the month. Call Fingerhut at 1-800-208-2500 to discuss changing your monthly billing date.

Your account is reviewed regularly for items such as your credit score, external credit profile and timely payment history, which can help result in a possible credit line increase.

If you qualify for deferred payments, it means:

• The purchase will be billed to your MetaBank/Fingerhut Credit Account
• You don’t need to make a payment for that purchase until after the deferral period
• Even though no payment is yet due, finance changes will immediately accrue
• Only that purchase is eligible for deferred payments; monthly payment still need to be made on previous purchases
• If you pay your entire balance in full prior to the end of the deferral period, you will not incur any finance changes!

By paying your balance on time and in full each month, you will help keep your finance charges to a minimum. If you can’t pay your entire balance, paying more than your minimum due will still reduce the amount you pay in interest.

You can make payments at finghut.com or call 1-800-208-2500. If you think a mailed payment will arrive after your due date, you can pay a transaction fee to make a timely payment. This option is less costly in terms of the actual amount and the impact to your credit history.

Most people make purchases on credit in good faith and expect they can make their payments. Don’t think of your credit line as “extra income”; it’s just another way to use the income you already have. It’s always a good idea to keep your balances to a minimum and not “max out” your credit line.

Yes, if a life-changed event would make it difficult for you to continue making payments, you should sign up for our SafeLine Account Protection. With SafeLine, if you involuntarily lose your job, or become disabled, we will freeze your account for up to six months. SafeLine also protects your family by paying in full your outstanding balance should you pass away. Call 1-800-208-2500 for more information and to sign up for SafeLine. Add a link to the SafeLine FAQs on fingerhut.com. Remember, you are responsible for your financial obligations, however, please contact us if you have a problem. We’re here to help, but we can’t do anything if you don’t contact us.