Reading Your Fingerhut Statement
Your monthly Fingerhut statement provides you with lots of helpful information about your account. It's a good idea to review your statement as soon as it arrives. Be sure to check the Minimum Payment Due and the Mail Payment By date. You need to know these to keep your account in good standing.
1. Important Messages
Learn about the latest offers, credit tips and important information.
2. Your Account Activity Summary
Your newest balance, previous balance, payments, credits, new purchases and interest charges are here.
3. Credit Limit
The maximum amount you can charge to your account.
4. Available Credit
This is the amount available to you for purchases. This amount is your charges subtracted from your credit limit.
5. Past Due Amount
The amount you owe that is past due. Most often this means you have missed a payment or have not paid the minimum amount due.
6. Interest Charge Calculation
Lists any interest charges and all applicable rates for both non-deferred and deferred purchases.
7. New Balance
The total amount you owe. This includes any unpaid balances from previous months, new purchases, late fees and interest charges.
8. Minimum Payment Due
The minimum amount you must pay each month. If you pay more than the minimum, you will pay off your balance more quickly with less interest charges.
9. Mail Payment By
Mail your payment by this date to avoid late fees.
10. Payment Due Date
The day your payment is due at Fingerhut. If your payment is received after this date, a late fee may be charged. If you're running late, you can always pay your bill online to prevent late fees!
11. Late Payment Warning
A reminder about the late fee you may be charged if your payment is not received by the Payment Due Date.
12. Minimum Payment Warning
This is the length of time to pay off your current balance if you only make the required minimum payments by the Payment Due Date. It's to your benefit to pay more than the minimum amount due each month. However, by paying your New Balance in full, you will avoid paying any additional interest charges.
13. Credit Counceling
Call the toll-free number listed for helpful information about managing credit.
A list of your new purchases and payments made since your last statement.
Lists any fees and reasons you were charged during the billing period. Fees charged year to date are also provided.
16. Interest Charged
See the exact amount of interest charged during this billing period. Interest charged year to date is also provided.
17. Deferred Payment Information
18. How to Contact Us
Find phone numbers and ways to contact us regarding your account.
19. Statement Coupon
Return this portion with your payment check, made payable to Fingerhut. This portion also includes account balance, minimum payment due and mail payment by date.
20. For Your Protection
For your protection, we don't print your full 16-digit account number here. If you use your bank's bill pay service, please use all 16 numbers or your Fingerhut customer number, which can be found on your Fingerhut account card. Do not use an "X"in your account number, as it will delay payment to your account, and you may be charged a late payment fee.
21. Don't use checks?
Pay your bill at fingerhut.com/MyAccount. While you're there, sign up for e-statements to help reduce mail. It's easier on you and the environment. Or go to a Check Free Pay location to pay your bill. Visit www.checkfreepay.com for more information.