How do I apply for a MetaBank/Fingerhut Credit Account?
Apply Online
any time, day or night. Fill out our easy online application. In just minutes
you'll find out if you're approved! If your MetaBank/Fingerhut Credit Account
issued by MetaBank is approved or pending, you can order right away. You can
use your Credit Account for online, catalog and phone orders. Once you are
approved, you can shop online, by catalog and by phone. When you have a good
payment history with us, you could also receive special offers from us and
more. Apply now and start shopping!
How do I shop on the website?
Register online anytime.
It's fast and free, just create a user name and password. A Fingerhut.com
account gives you great benefits for our best customers:
- Update your shopping profile
- Order instantly with Catalog Quick Order
- Check your account
- Shop thousands of name brand products you and your family need every day
- Love it with a 30-Day Home Trial
- Count on us with a 100% Satisfaction Guarantee
- Apply for a Fingerhut Credit Account
- Manage your budget with Easy Payment Options
Who is Fingerhut?
Since 1948, Fingerhut has grown from a small business with a good idea into a nationwide company that helps millions of people achieve their dreams. You can shop over 20,000 Fingerhut products through our catalogs and website. Best of all, we make buying and budgeting easier with low monthly payments.
Your satisfaction comes first! We're always working to bring you the best products and the best name brands. We also offer many products you won't find anywhere else. Shop Fingerhut and you'll:
- Shop thousands of name brand products you and your family need everyday
- Love it with a 30-Day Home Trial
- Get doorstep delivery in days
- Get SafeLine Account Protection
- Count on us with a 100% Satisfaction Guarantee
- Apply for a Fingerhut Credit Account online or by phone in minutes
- Manage your budget with Easy Payment Options
How do I get a Fingerhut catalog?
You can
order a catalog
online. The cost of a catalog is $2.00. When you get your catalog, you'll
receive a $10.00 off coupon!
How do I return something I bought from you?
To return an item, please use these directions:
- Fill out the information on your packing slip. This includes what you are returning, the reason for returning and if you want credit or an exchange. If you don't have your packing slip, write this information on a plain piece of paper. Be sure to include your order number. Put this inside your package.
- Securely pack the item(s) to be returned in the original package or a sturdy box.
- Return your package to: Fingerhut, 6250 Ridgewood Road, St. Cloud MN 56395. If there are any old shipping labels, stickers, bar codes, etc. on the outside box, please remove them.
- Mailing Options:
a. Post Office (it's a good idea to insure your package and get a receipt)
b. FedEx (please do not use FedEx Air to return your package)
Refund (Return for credit)
Please allow 10-15 days for us to receive and process your return from the
day you mail it back. Once your return is received and inspected by the fulfillment
center, your refund will be processed, a credit will be automatically applied
to your account and we will send you an email confirmation if we have your
email address on-file. Sign in to your Fingerhut
account to view your available credit and order status.
Damaged or Defective Items?
If you have an item that was damaged when your received it from us, please
click here to contact us
and we will make it right for you.
What is a 30-Day Home Trial?
We want you to be happy when you buy from us, and you
have 30 days to try products in your home! If, after 30 days you don't love
it, you can return it. We will exchange your product or give you a refund for the cash price (less S/H), for most items recieved in
new condition and returned within 30 days.
We can't take a return after 30 days unless we authorize it. (Contact us before
you send it back.) If we accept your return after the 30-day home trial period,
the amount credited may be prorated. This means you get a refund based on
how long you have had the item and the condition it is in. Sorry, but returns
will not be accepted for credit after 180 days. If you have any problems with
a product, please check the manufacturer's warranty.
Also, please note:
- Music, movies, video games and software have to be returned unopened (factory sealed) Exchanges are for exact same item only.
- Computers, camcorders, digital cameras, electronic game systems, air conditioners, holiday decorations, heaters and generators have to be returned within the 30-day home trial period
- Products sold in sets must be returned as a set; we don't take back partial sets
- Personalized/customized products may be returned for credit if they are damaged or defective only. Exchanges are for the exact same item only, within 30 days of purchase
- Gift Cards cannot be returned.
Other restrictions may apply.
See our complete Return Policy for full details.
How do I track my Fingerhut order?
If you give us your email address, we'll send you an
email when we send your order. This email will have your tracking information.
You can also click on the
Order Status
link on the top of the page to see your orders and tracking information. Please note that we only send ship confirmation emails on items shipped from our warehouse. Dropshipped and Truckshipped items will not generate a ship confirmation email from us.
When will I get my first billing statement?
You'll get your first Fingerhut Credit Account statement 30 to 45 days after making your first purchase.
How do I make a payment on my MetaBank/Fingerhut Credit Account?
Sign in to your Fingerhut.com account. Click on
My Account. Under My Account, you will see My Credit Account with payment options.
- Make a payment with your checking or savings account anytime online.
- Pay your bill in person with CheckFreePay. Click here for over 20,000 locations!
- Chat with one of our customer service representatives to make a payment over the phone. (A fee of up to $5 may be applied to electronic payments.)
- Mail a check or money order to: Fingerhut, PO Box 166 Newark, NJ 07101-0166.
How can I see my credit account online?
If you have a Fingerhut.com account,
sign-in with your Username and Password. Click My Account. You will see My Credit Account. Just click a link to see your balance on your Credit Account, pay your bill and more.
Where can I find additional MetaBank/Fingerhut Credit Information?
The Fingerhut Credit Account is offered to US residents by MetaBank, a federally chartered savings association and FDIC member located in Sioux Falls, SD, who determines eligibility and qualifications for the terms of credit. Taxes, shipping and handling charges will be added to the cash price. The advertised price per month is the estimated initial monthly payment required to be made for a single item order. If you place a multiple item order or at any time your Account has multiple items on it, then please see the Payment Chart (See: "What will my monthly payment amount be?" below) for payment terms; the advertised price per month will not apply. The actual price per month includes interest and will vary depending on your account balance and other factors.
How can I check my MetaBank/Fingerhut Credit Account balance or available credit?
If you have a Fingerhut.com account,
sign-in with your Username and Password. You can see your available credit and account balance on the
My Account link. You will see an area on the My Account page labeled My Credit Account with links into your MetaBank/Fingerhut credit account.
How do I view a statement online?
If you've created a Fingerhut.com Account, you can simply
sign-in with your user name and password and navigate to the
My
Account page access your statement and take advantage of all the services
Fingerhut.com offers.
How do I know if you got my payment?
If you've created a Fingerhut.com Account, you can simply
sign-in with your user name and password and navigate to the
My
Account page. On this page there are links to your Credit Account that
will allow you to see if your payment was received, your current balance,
your available credit and more.
How do I update my information?
To update your phone number, Username, email, and other information, sign-in and click on the My Account link. You will see My Profile. Click on what you want to change. If you have questions or want to change anything else, just call customer service Monday through Friday, 8am to 8pm Central.
Is my personal information safe on Fingerhut.com?
Yes! We use the latest tools to protect all your personal information that we store. But information sent over the Internet to any person or company is not 100% secure. That is why we never ask you to email us your social security number, for example.
Why do you need my Social Security Number?
We use your Social Security Number to check your credit history when we are looking at your application and other information. It also helps us to make sure that it's really you who is applying for credit.
When do I get a credit line increase?
The best way (to qualify for additional credit with us) is to make your payments on time - your credit account is reviewed automatically several times a year. We'll let you know if you get a Credit Line Increase by email (and mail).
Can I order with a pending credit account?
Yes, you can shop while we are looking at your application. When you check out, choose Fingerhut Pending Credit. If your application is approved (with enough credit to order what you picked out), your order will be shipped automatically. If we can't ship your order, we will let you know (by mail).
When is my next payment due?
Your payment on your MetaBank/Fingerhut Credit Account is due by the date listed on your statement. To see your statements, sign in to your Fingerhut.com account and click on
My Account.
What happens if I pay my bill late? Are there late charges?
It's important to pay your bill on time. Fingerhut will charge you a late fee if your payment is late. We will also call you or send you a letter. You can make a payment online by clicking on the Make a Payment in the My Account area and using your checking or savings account. You can also talk to one of our representatives to make a payment over the phone. (There might be a fee for this service.) To mail a check or money order, send to: Fingerhut, PO Box 166, Newark, NJ 07101-0166.
What will my monthly payment amount be?
Your minimum payment due is calculated on a sliding scale based on the balance due.
|
PAYMENT CHART |
Account Balance |
New PMT $ |
From |
To |
- |
$5.98 |
$5.99 |
$44.99 |
$45.00 |
$69.99 |
$70.00 |
$99.99 |
$100.00 |
$124.99 |
$125.00 |
$199.99 |
$200.00 |
$249.99 |
$250.00 |
$299.99 |
$300.00 |
$349.99 |
$350.00 |
$449.99 |
$450.00 |
$549.99 |
$550.00 |
$799.99 |
$800.00 |
$1,099.99 |
$1,100.00 |
$1,399.99 |
$1,400.00 |
|
|
|
100% |
$5.99 |
$6.99 |
$7.99 |
$9.99 |
$13.99 |
$16.99 |
$19.99 |
$22.99 |
$28.99 |
$33.99 |
$46.99 |
$59.99 |
$69.99 |
5% |
|
|
What is Safeline® Account Protection Plus?
SafeLine Account Protection Plus is an optional benefit available with your MetaBank/Fingerhut Credit Account. This program provides worry-free protection in the case of major life events, unpaid leave of absence, hospitalization, involuntary job loss, disability, or even death. SafeLine Plus freezes your account for up to twelve months if youre laid off or disabled, and up to three months if you are hospitalized, take an unpaid leave of absence from work or experience a major life event. You may even be eligible to have your balance waived for extended disability, unemployment or hospitalization. In the event of your death, your outstanding account balance (up to the assigned credit line) will be waived. You pay for this coverage only when you have a balance on your account, and you may cancel the coverage at any time. Refer to the
Safeline Account Protection Plus Plan Summary youll receive for full details.
Can I get Safeline if I am retired or self-employed?
SafeLine Account Protection Plus has benefits designed specifically for our non-working or self-employed customers. If you are retired or self-employed and become disabled, you may be eligible for disability benefits if you are unable to perform the activities of daily living as certified by your doctor. Not to mention, many of our benefits are available to customers regardless of their employment status such as: hospitalization, life event, moving and death coverage. Refer to the
Safeline Account Protection Plus Plan Summary youll get when you sign up, for full details.
How much is Safeline® Account Protection Plus?
You pay for this coverage only when you have a balance on your account, and you may cancel the coverage at any time. The cost is just $1.19 per month for every $100 of outstanding balance. If you do not have a balance, your SafeLine Plus coverage remains active and you pay nothing.
How can I sign up for SafeLine Account Protection Plus?
Click on the "Yes, I want to enroll" option when reviewing your account information on the My Account page (click on the SafeLine link), when placing an order online - the SafeLine offer will be available during checkout, or when calling Fingerhut's order line at 1-800-233-3588 from 8:00am to 8:00pm Monday through Friday, Central Time.
Who can enroll in Safeline® Account Protection Plus?
You may enroll in this coverage at any time when you are a MetaBank/ Fingerhut Credit Account customer in good standing. However, SafeLine is not currently available to customers in: AS, FM, GU, MH, MP, PW or VI.
When will my SafeLine Plus coverage start?
When you sign up, you will receive a
SafeLine Account Protection Plus Plan Summary with all the Terms and Conditions via e-mail or mail within 5-7 business days. You must be enrolled in SafeLine Account Protection Plus for one month prior to requesting benefit activation due to hospitalization, unpaid leave of absence, life event, or disability and three months prior to requesting benefit activation due to unemployment or death (except in the event of accidental death which is covered in the first 90 days).
When or how do I activate my SafeLine® benefits?
The best place to review this information is in the SafeLine Plan Summary which was mailed or emailed to you when you enrolled in the program or by calling a Customer Service Representative at 1-800-208-2500. They are available Monday through Friday between the hours of 8:00am and 8:00pm, Central Time. You can initiate a benefit claim by printing out the appropriate Benefit Activation Application from below and returning it to us at: Customer Service, SafeLine Account Protection Plan, 6250 Ridgewood Rd, St. Cloud, MN 56303. Upon receipt a customer service representative will review the claim and follow up with you regarding your benefit status.
For disability, unemployment, hospitalization, or medical leave of absence:
Benefit Activation Application
For Natural Disaster:
Benefit Activation Application
For Life Events, including death, moving, birth of a child, etc.:
Benefit Activation Application
How does Safeline® Account Protection "freeze" my account?
The term "freeze" applies when your benefits are activated by a qualifying event, like involuntary unemployment or having a disabling accident. "Freeze" means that MetaBank will not require a minimum payment to be due on your MetaBank/Fingerhut Credit Account, nor will any late, overlimit, or SafeLine Account Protection fees be assessed during a billing period in which benefits are active. MetaBank/Fingerhut will also not report any negative activity to credit reporting agencies during your benefits activation period. However, during the time your account is frozen, interest will continue to accrue on your outstanding balance and you will not be able to make new charges on your MetaBank/Fingerhut Credit Account.
How do I initiate a SafeLine® claim?
You can call 1-800-208-2500, and a customer service representative can talk about your current situation with you and mail out the necessary documents. Our customer service representatives are available Monday through Friday, between the hours of 8:00am and 8:00pm, Central Time. You can also initiate a disability or unemployment claim by printing out the appropriate Benefit Activation Application from below and send it to us at: Customer Service, SafeLine Account Protection Plus Plan, 6250 Ridgewood Rd, St. Cloud, MN 56303. Upon receipt a customer service representative will review the claim and follow up with you regarding your benefit status.
For disability, unemployment, hospitalization, or medical leave of absence:
Benefit Activation Application
For Natural Disaster:
Benefit Activation Application
For Life Events, including death, moving, birth of a child, etc.:
Benefit Activation Application
There is a Safeline Account Protection Charge on my account, what is this?
Fingerhut Credit Account holders are able to take advantage of this optional SafeLine Account Protection Plus Plan from MetaBank. This program provides protection in the case of hospitalization, major life events, unpaid leave of absence, involuntary job loss, or disability. You may have decided to sign up for this program when you applied for your Fingerhut Credit Account issued by MetaBank, through communications on the My Account page, while you were ordering, or on your statements.
I want to cancel SafeLine. How do I get the charges removed?
SafeLine® protection is an optional benefit on your account and you may
cancel at anytime. You can cancel your coverage in two ways: first by calling
a customer service representative at 1-800-208-2500 or by writing to Customer
Service, SafeLine Account Protection Plus Plan, 6250 Ridgewood Rd, St. Cloud,
MN 56303. A customer service representative can cancel your coverage, and
if no benefits were paid, can credit your account the current month's
SafeLine fees. If you have contacted Fingerhut customer service and have been
told a credit will be issued to your account, please allow up to two billing
cycles from the date you contacted us for the credit to appear on your statement.
If two billing cycles have passed, please contact Customer Service online
here, or call us at 1-800-208-2500
for further help. Our customer service representatives are available Monday
through Friday, between the hours of 8:00am and 8:00pm, Central Time.
What are deferred payment offers?
Deferral Periods: From time to time we may offer you periods when you are not required to make payments on your purchase; we call these "Deferral Periods"; Special rules apply to Deferral Periods: The date, amount and description of each purchase is identified on your Statement for the period when you make the purchase; each Statement contains a summary of all deferred purchases, including the unpaid principal balances, any accrued or assessed interest charges and the dates until which payments are deferred. The deferral plan offered to you is made at the sole discretion of Fingerhut on behalf of MetaBank and cannot be changed by customer request.
No Payments Option: Monthly payments on the deferred purchase are not required during the Deferral Period. Interest will be assessed at a non-variable rate of 24.90% APR on your deferred purchase from the date of purchase. Interest assessed during the Deferral Period will be added to your deferred balance, regardless if you pay off your deferred balance before the expiration of the Deferral Period. The amount of your deferred purchase(s) is/are not considered when we calculate your minimum monthly payment. We do consider your deferred purchase(s) for purposes of determining your available credit.
No Payments and No Interest Option: Monthly payments on the deferred purchase are not required during the Deferral Period. If you pay the entire deferred purchase in full on or before the last day of the applicable Deferral Period, you pay no interest charges in connection with your deferred purchase. Otherwise, we add a deferred interest charge to your Account on the expiration date. For the last two months of any Deferral Period under the No Payments/No Interest plan, any payment received in excess of your required minimum amount due will be applied to your outstanding deferred purchase balance. If you have multiple deferred purchases that expire in sequential months, any payment received in excess of your required minimum amount due will be applied to the deferred purchase which expires soonest. After the expiration of the Deferral Period, your Account APR of 24.90% will apply to the remaining unpaid balance of your deferred purchase. The amount of your deferred purchase(s) is/are not considered when we calculate your minimum monthly payment. We do consider your deferred purchase(s) for purposes of determining your available credit.
How do I make a payment on my MetaBank/Fingerhut Credit Account?
Sign in to your Fingerhut.com account. Click on My Account. Under My Account, you will see My Credit Account with payment options.
- Make a payment with your checking or savings account anytime online.
- Pay your bill in person with CheckFreePay. Click
here for over 20,000 locations!
- Chat with one of our customer service representatives to make a payment over the phone. (A fee of up to $5 may be applied to electronic payments.)
- Mail a check or money order to: Fingerhut, PO Box 166 Newark, NJ 07101-0166.
How do I see a statement online?
If you have a Fingerhut.com account,
sign-in with your Username and Password and go to the
My Account page. Click on View My eStatement in the My Credit Account area.
Can I pay online?
Yes, click on the Make a Payment link within
My
Account. You will be able to make your online payment quickly using your
checking or savings account..
How do I use my bank's bill pay service to pay my bill?
It's easy to set up automatic payments! When you use your bank's bill pay service, enter either your full 16 digit Fingerhut Account Number or your 10 digit Customer Number in the space where they ask for your Account Number. Set up your monthly payments and you don't have to worry about forgetting to make a payment!
Where can I find my Account Number:
Your full 16 digit Account Number can be found on your
Fingerhut Credit Account Card that was sent to you when you first opened your
Credit Account. (Call customer service if you need a reminder - 1-800-208-2500,
8:00am to 8:00pm Monday through Friday, Central Time.) Your bank's bill pay
service may say that this Account Number can be found on your statement. For
privacy we do not include your full 16 digit Account Number on your
statement. Do not use the Account Number listed on your statement with Xs
and the last four digits. We need all 16 digits to process your payments.
Customer Number:
Your 10 digit Customer Number can be found on the bottom of your statement or on the back of your Fingerhut Catalogs in the upper left corner.
Can I pay my bill by phone?
Yes, you can call 1-800-208-2500 and use Fingerhut's
automated phone payment system to pay with your checking or savings account.
(A fee of up to $5 may be applied to electronic payments.)
I lost my statement envelope - where should I mail my payment?
Be sure to write your 16 digit account number or 10 digit customer number on your check or money order and mail your payment here:
Fingerhut
P.O. Box 166
Newark, NJ 07101-0166
How do I make a payment with a money order?
Fingerhut works with CheckFreePay to help you make your monthly payments quickly and easily! You can go to any CheckFreePay location and pay your monthly Fingerhut Statement.
CheckFreePay will even send the payment to Fingerhut directly! No more mailing a money order and wondering if your payment arrived on time. For locations near you, visit
CheckFreePay.com
If you still wish to pay with a money order, please mail your payment to Fingerhut PO Box 166 Newark, NJ 07101-0166. Be sure to write your 16 digit account number or 10 digit customer number on your money order.
Can I get Safeline if I am retired or self-employed?
SafeLine Account Protection Plus has benefits designed just for our non-working or self-employed customers. If you are retired or self-employed and become disabled, you may be eligible for disability benefits if you are unable to perform the activities of daily living as certified by your doctor. Not to mention, many of our benefits are available to customers regardless of their employment status such as: hospitalization, life event, moving and death coverage. Refer to the
Safeline Account Protection Plus Plan Summary you'll get when you sign up, for full details.
What if I forgot my Username, Password or security questions?
If you have forgotten your Username or Password please click the link called "
Forgot Password?"If you still have trouble, please call customer service at 1-800-208-2500 Monday through Friday. 8am to 8pm Central Time for help.
If you do not remember the answers to your security questions, after several tries, you will be asked to reset them. Customer service cannot change your security questions, for your safety.
How do I update or change my fingerhut.com account?
To change your user name or password, sign in using the
Fingerhut.com user name and password you have now. Click on
My
Account on the top of the page. Then click on the Change My Email Address
& Password on the My Account page. You'll be able to update your Fingerhut.com
information.
How do I sign into my online account?
Just click on
SIGN IN at
the top of any page on Fingerhut.com.
Why should I have a Fingerhut online account?
A Fingerhut.com account makes shopping fun and easy! You can check how much credit you have, track and/or view orders, personalize your account, sign up for and see online statements, and even pay your bill online.
You can also receive special deals, make changes to your address online, start a wish list, learn how to read your statement, tell us how you want us to contact you and much more!
Just click on SIGN IN on the top of any page. All you need is your Fingerhut customer number from the back of your catalog, a user name and Password. If you need help, please call Customer Service at
1-800-208-2500, Monday through Friday, 8am to 8pm Central Time.
How do I log off fingerhut.com?
Just click on Sign Out at the top of any page on Fingerhut.com.
How do I track my Fingerhut order?
If you give us your email address, we will send you an email when we send your order. This email will have your tracking information. You can also click on the
Order Status link on the top of the page to see your orders and tracking information.
Can I use my catalog and customer number to sign in to fingerhut.com?
Sorry, no. For security, we ask for other information
when you sign in. You can create a new account
here.
How do I cancel an order?
We start filling your order as you check out, so we really can't cancel your order. But, if you make a mistake,
click here to contact us, and we can try to stop the shipment.
Or, try our 30 day home trial, or say no to the shipment, (depending on the carrier and if you are home when your package is delivered).
If you decide to return your order, just follow the directions inside the package.
How do I track my order from Fingerhut?
If you give us your email address, we'll send you an
email when we send your order. This email will have your tracking information.
You can also click on the
Order Status
link on the top of the page to see your orders and tracking information. Please note that we only send ship confirmation emails on items shipped from our warehouse. Dropshipped and Truckshipped items will not generate a ship confirmation email from us.
How do I use a gift card to pay?
You can use a Fingerhut Gift Card to pay. When you get to Select Payment during checkout, you can choose up to two ways to pay. You'll see where to enter your gift card information.
How do I use a promo code when I order?
To get your special offer, just type in the promo code on the payment page during checkout. If you forget to enter your promo code,
click here to contact us.
Include your customer or order number in the e-mail, and the promo code. If we have questions, we'll let you know. It might take us 30 to 60 days to finish your request.
Can I pay more than one way during checkout?
During checkout, you can use more than one type of payment.
Choose from MetaBank/Fingerhut Credit Account, Visa(R), MasterCard(R), Discover/NOVUS(R),
American Express(R), or Fingerhut Gift Card.
How do I get free gifts from Fingerhut?
One of the best things about ordering from Fingerhut is getting free stuff! When you shop online using Catalog Quick Order, enter your catalog code (if you have one) to get your free gift, (and any other promotions). You can also enter your Catalog Code during checkout. You can only get one free gift per order. Sorry, pre-approved credit and any deferred payment offers are only for the person listed on the catalog.
How can I order?
You have three easy choices!
1. Online - Shopping online on our website is fast, easy and fun! You can do it anytime, and you can see over 20,000 great products we sell! If you have a catalog, just click on Catalog Quick Order and follow the simple instructions. Or, choose Shop Catalog Online, to see our newest catalogs online.
When you shop online, when you easily add things to your cart, see the price per month, and more. Checking out is fast and we'll send you an email with your order details. Ready to start shopping now?
Click here!
2. Phone - Our friendly representatives are here 24 hours a day, every day of the year. If you have questions while ordering online or have a catalog and want to talk to a person to order, please call us at
1-800-603-7052.
3. Mail - Fill out and sign the Order Form in your catalog, and drop it in
the mail. If you don't have a catalog, pick out your items online, and send
your order on a plain white piece of paper to: Fingerhut, PO Box 0230, St.
Cloud MN 56372-0039. Please include your name, customer number (if you have
one) your complete address, phone number, and payment information (check,
money order, Fingerhut account number, credit card, debit card, or Fingerhut
gift card). We'll call if we have questions.
What if I have a charge on my bill that doesn't look right to me?
Fingerhut sometimes works with other companies that have products or services that we think our customers might like. But, you will never be billed for something you do not order.
If you do order a product or service from these companies, they are billed
to your Fingerhut Credit Account issued by MetaBank; we do not fill these
orders or run the programs. If you buy a product or service from these partner
companies, you'll see the charge and the company name and phone number on
your
Fingerhut bill. Please
call them if you have any questions about their programs.
IMPORTANT SALES TAX INFORMATION
This is legal information about sales tax. We do not collect sales or use taxes in all states. For states imposing sales of use taxes, your purchase is subject to tax unless it is specifically exempt from taxation. Your purchase is not exempt merely because it was made over the Internet. Many states require purchasers to file a sales/use tax return at the end of the year reporting all of the taxable purchases that were not taxed and to pay tax on those purchases. It is possible that you may be responsible for the payment of state sales/use taxes on your Fingerhut orders, even though we are not required to collect sales/use taxes from you. In these situations, our listing of $0.00 tax on the check-out screen does not mean that you are not responsible for the payment of taxes on the order. Rather, it means that we are not collecting sales/use tax at the time of order on your behalf. The responsibility to pay sales/use taxes is your responsibility as the purchaser. Details on how to file these returns may be found at the websites of your state's taxing authority.
INDIVIDUAL STATE SALES/USE TAX INFORMATION
If you live in
Colorado, please read this information about sales tax. For Colorado purchasers, we may be required by Colorado law to provide you with an end-of-year summary of Colorado purchases in order to assist you in filing your tax returns. We may also be required by law to provide the Colorado Department of Revenue with a report of the total amount of all of your Colorado purchases at the end of the year. Additional information on your Colorado tax reporting obligations are available on the Colorado Department of Revenue website at
http://www.colorado.gov.
If you live in Oklahoma, please read this information about sales tax. For
Oklahoma purchasers, use taxes may be reported and paid on the
Oklahoma
individual income tax return [Form 511] or by filing a consumer use tax return
[Form 21-1]. The referenced forms and corresponding instructions are available
on the Oklahoma Tax Commission website at
http://www.tax.ok.gov
What is Dependable Shipping?
Our Dependable Shipping program means we send out most orders within 10 business days. And some items even ship in as few as three days after you order! Monogramming and engraving might add a little extra time. Some large items, like furniture or products coming right from the manufacturer might take longer to ship. They also might have extra shipping and handling charges.
What is your Extended Home Trial Period for the Holidays?
The Extended Home Trial Period is for all orders made between October 1st and December 24th. This program lets you exchange or refund purchases until January 31st. To return or exchange, the item must be in like-new condition and have all the original packaging and accessories.
To return the item, use the label from the packing slip. If you have opened
music, movies, video games or software, you can only exchange them for the
exact same item. You can't return them for credit or a refund after you've
opened them.
After the Extended Home Trial Period, if you have any problems with a product,
please check the manufacturer's warranty. If there isn't a warranty, please
click here to contact us
to talk about a return. If we accept a return after the Home Trial Period,
the price may be prorated. This means you get a refund based on how long you
have had the item and the condition it is in. Shipping and handling charges
aren't refundable.
See our complete Return Policy below for all the details.
How do I track my Fingerhut order?
If you give us your email address, we'll send you an email when we send your order. This email will have your tracking information. You can also click on the
Order Status link on the top of the page to see your orders and tracking information, if you are logged in.
What is your Return Policy?
Extended Holiday Return Policy
The Worry-free Extended Home Trial applies to orders placed between October 1 and December 24, 2011, and allows an exchange or refund of purchases until January 31, 2012. All returns and exchanges must be in like-new condition, contain all original packing and accessories, and be returned using the label from the packing slip. Some items cannot be returned for credit if opened, including some music, movies, video games and software.
After the Worry-free Extended Home Trial Period product concerns must be handled under the manufacturer's warranty. If no warranty exists, customers should contact Customer Service for return authorization. Returns received after the Home Trial period, up to 180 days, may receive a prorated adjustment. Shipping and handling charges are not refundable. For orders placed after December 24, 2011, our usual 30-Day Home Trial Period will apply.
Computers, camcorders and video game systems and other restricted return items must be returned within the Worry-free Extended Home Trial period. Also see important shipping dates for
Guaranteed Christmas Delivery.
Standard Return Policy
We will exchange your product or give you a refund for most items returned in new condition within 30 days after you bought it.
We can't take a return after 30 days unless we authorize it. (Contact us before you send it back.) If we accept your return after the 30-day home trial period, the amount may result in prorated. This means you get a refund based on how long you have had the item and the condition it is in. Sorry, but returns will not be accepted for credit after 180 days. If you have any problems with a product, please check the manufacturer's warranty.
Shipping and handling charges are non-refundable. Postage to return a product is paid by the customer.
Also, please note:
- Music, movies, video games and software have to be returned unopened (factory sealed). Exchanges are for exact same item only.
- Computers, camcorders, digital cameras, electronic game systems, air conditioners, holiday decorations, heaters and generators have to be returned within the 30-day home trial period.
- Products sold in sets must be returned as a set; we do not take back partial sets.
- Personalized/customized products may be returned for credit if they are damaged or defective only. Exchanges are for the exact same item only, within 30 days of purchase.
- Gift cards and perishable items cannot be returned.
- Other restrictions may apply.
How do I return or exchange something I bought?
To return an item, please use these directions:
- Fill out the information on your packing slip. This includes what you are returning, the reason for returning and if you want credit or an exchange. If you don't have your packing slip, write this information on a plain piece of paper. Be sure to include your order number. Put this inside your package.
- Securely pack the item(s) to be returned in the original package or a sturdy box.
- Return your package to: Fingerhut, 6250 Ridgewood Road, St. Cloud MN 56395. If there are any old shipping labels, stickers, bar codes, etc. on the outside box, please remove them.
- Mailing Options:
a. Post Office (it's a good idea to insure your package and get a receipt)
b. FedEx (please do not use FedEx Air to return your package)
Refund (Return for credit)
Please allow 10-15 days for us to receive and process your return from the
day you mail it back. Once your return is received and inspected by the fulfillment
center, your refund will be processed, a credit will be automatically applied
to your account and we will send you an email confirmation if we have your
email address on-file. Sign in to your Fingerhut
account to view your available credit and order status.
Damaged or Defective Items?
If you have an item that was damaged when your received it from us, please
click here to contact us
and we will make it right for you.
What is the difference between Standard and Express shipping?
Standard shipping means we send your order from our warehouse within 10 business days, often less than five! Express shipping means we ship your order from our warehouse within 5 business days or less. There is an extra fee of $9.95 per item for Express shipping and some restrictions apply. Some items are too large or too heavy for Express shipping. Items shipped directly from the manufacturer do not have Express shipping. Express shipping is only available for the 48 contiguous states.
What does "Guaranteed Christmas Delivery" or "GCD" mean?
To receive your packages by December 25th, follow these ordering guidelines:
| Shipping Method |
Orders must be received by |
| Standard Delivery |
December 20th by Noon CST |
| Express Delivery |
December 22nd by Noon CST |
- For even faster delivery when ordering before December 20th, Noon CST, use Fingerhut Express Delivery.
- Guaranteed Christmas Delivery is for Internet & Phone orders only.
- To have your Guaranteed Christmas Delivery order delivered to a P.O. Box, your order must be received by December 20th, Noon CST. After December 20th, Noon CST, customers requesting delivery by December 25th must provide a street address.
- Orders identified as truck-shipped or as shipped directly from the manufacturer are excluded from Guaranteed Christmas Delivery. Although we cannot guarantee delivery by December 25th, it is recommended that you order these items no later than December 10th if you want delivery by Christmas.
- Sorry, no Guaranteed Christmas Delivery to APO/FPT addresses or to AK, HI, PR, GU, VI, FM, MP, PW or MH. Customers who follow these guidelines will receive delivery of in-stock merchandise by Christmas (December 25th), or will be notified by December 22nd by phone or email if for any reason delivery before Christmas is not possible. Guaranteed Christmas Delivery is available to Fingerhut customers who purchase with available credit using a current MetaBank/Fingerhut Credit Account and to customers paying with Visa®, MasterCard®, Discover®/Novus® Card or American Express®. Not available for e-check payments.
- FreshStart Credit Account holders and customers paying with FreshStart credit are ineligible for Guaranteed Christmas Delivery.
- Holiday Return Policy: The Worry-free Extended Home Trial applies to orders placed between October 1 and December 24, 2011, and allows an exchange or refund of purchases until January 31, 2012. All returns and exchanges must be in like-new condition, contain all original packing and accessories, and be returned using the label from the packing slip. Some items cannot be returned for credit if opened, including some music, movies, video games and software. After the Worry-free Extended Home Trial Period product concerns must be handled under the manufacturer's warranty. If no warranty exists, customers should contact Customer Service for return authorization. Returns received after the Home Trial period, up to 180 days, may receive a prorated adjustment. Shipping and handling charges are not refundable. For orders placed after December 24, 2011, our usual 30-Day Home Trial Period will apply. Computers, camcorders and video game systems and other restricted return items must be returned within the Worry-free Extended Home Trial period. See our complete Return Policy.
Can all Fingerhut products be shipped with Express shipping?
Most products can, and we can Express ship to most addresses. We can't Express ship back orders, items that are too heavy or too big, or items shipped to you from the manufacturer. Express shipping is allowed within the 48 contiguous states, but not APO and FPO. If you're trying to Express ship a product that is not allowed, we'll let you know during checkout.
How fast is Standard shipping? What about Express shipping?
Standard shipping means we send your order from our warehouse within 10 business days, often less than five! Express shipping means we ship your order from our warehouse within 5 business days or less. There is an extra fee of $9.95 per item for Express shipping and some restrictions apply.
What does drop ship mean?
Products shipped to you from the manufacturer are known as "drop ship" items. When you order one of these items, we'll let you know the expected shipping date. Since we don't ship these items, we can't guarantee the shipping time. Drop ship items can't be sent using Express shipping.
What if I live outside the 48 states?
You can place an order at any time! For orders shipped
to an address outside the 48 contiguous states we add a $12.99 surcharge per
order to help cover shipping costs. This includes AK, HI, US territories and
APO/FOP addresses.
Do you ship to APO and FPO addresses?
We are happy to ship to any United States Post Office address. This includes APO and FPO addresses. We just can't offer Express shipping to APO and FPO at this time.
What is Curbside Delivery?
Curbside delivery is offered for heavier items. You pay shipping and handling charges for delivery to the curb in front of your address. If you want the item carried into your house, please arrange it with the company delivering the item. Most of the time, the company will charge extra for this service.
Does Fingerhut provide any installation services?
We don't offer services like installing telephones, plumbing, etc. For installation, please call a local service or contact the manufacturer.
Why can't I ship my order to an address besides my billing address?
For your first order with us, Fingerhut customers who want to pay using Fingerhut Credit, the billing and shipping address need to match. This is for your safety and security. If you want to use your Visa, MasterCard, Discover or American Express, we can ship your order to another address, if you'd like. Just let us know.
Fingerhut FreshStart® Terms and Conditions
View the Fingerhut FreshStart
® Issued By Metabank Representative Terms And Conditions
here.
What is the Fingerhut FreshStart®Credit Account
issued by MetaBank?
The Fingerhut FreshStart Account issued by MetaBank is an installment credit program that can help shoppers in today's economy. If approved, you may make a 1-time purchase up to your assigned credit limit. You just make a $30 down payment before your order is shipped. The remaining balance is paid in monthly payments. If all payments are made on time and for the full amount you will be rewarded with a
revolving MetaBank/Fingerhut Credit Account
How do I know if I qualify for the Fingerhut FreshStart® Credit Account issued by MetaBank?
If you received a Fingerhut FreshStart® catalog in the mail, you are automatically eligible to apply. You can apply and order online or call 1-800-440-2599. Our customer service representatives can help you with the credit application and ordering. Please have your catalog handy to complete your application and order.
How is the Fingerhut FreshStart® Credit Account
issued by MetaBank different from the MetaBank/Fingerhut Credit Account?
The Fingerhut FreshStart
® Credit Account issued by MetaBank is a one-time installment loan. This means your credit line may be used for one order only, so make the most of it! If all payments are made on time and for the full amount, you will be rewarded with a
revolving MetaBank/Fingerhut Credit Account.
The revolving MetaBank/Fingerhut Credit Account is another great way to shop with low monthly payments. It lets you place as many orders as you would like on your account, up to your available credit.
View Terms and Conditions
How do I make my $30 down payment?
Making your $30 down payment is easy! You can make your down payment online or by calling 1-800-440-2599. Down payments can be made using a Visa or MasterCard debit card or by electronic withdrawal from your checking or savings account. These options are the fastest way to pay and receive your order sooner.
If you are not ready to make your $30 down payment when you place your order, our customer service phone representatives can help you schedule your down payment for a later date. Your order will ship when your down payment clears. Please call 1-800-440-2599 to schedule your down payment.
You can also mail a check or money order for your $30 down payment to P.O. Box 270. St. Cloud, MN 56372. If you choose to mail your payment, we must allow time for the payment to clear, which means your order could be delayed up to three (3) weeks. Please be sure to include your customer number on the check or money order. Your customer number can be found on the back of your catalog, highlighted in yellow.
| Payment Type |
Payment Clearing Timeframe* |
| Debit Card |
2 days |
Bank Withdrawal
(Checking/Savings Account)
|
12 days |
| Paper Check |
12 days |
| Money Order |
2 days |
*We will hold your order for the number of days listed above and then your order will be released for shipment (please allow up to 10 days from the end of the hold time for your order to be shipped).
Why would I want to use the Fingerhut FreshStart®
Credit Account issued by MetaBank?
The Fingerhut FreshStart Credit Account is a smart, easy and affordable way to get the items you want today while building your buying power with us. It lets you shop thousands of brand name, high quality products at affordable low monthly payments. Paying your
low monthly payments in full and on time rewards you with a revolving MetaBank/Fingerhut Credit Account.
What can I buy using the Fingerhut FreshStart® Credit Account issued by MetaBank?
Shop from the Fingerhut FreshStart catalog or shop our huge assortment of brand name, quality merchandise online at fingerhut.com. You can order online or by calling 1-800-440-2599. The total cash price of your order must be at least $50 and you can spend up to your assigned credit limit. Remember, your Fingerhut FreshStartCredit Account is for a 1-time order and you can spend up to your limit...take full advantage of your entire credit limit!
When will my Fingerhut FreshStart®
order ship?
Your in-stock order will ship after your $30 down payment has cleared. Unlike layaway, the Fingerhut FreshStartCredit Account issued by MetaBank delivers the merchandise you want, now! The time it takes for a down payment to clear will vary depending on how you paid. The fastest way to get your order is to pay with a Visa or MasterCard debit card or an electronic withdrawal from your checking or savings account.
| Payment Type |
Payment Clearing Timeframe* |
| Debit Card |
2 days |
Bank Withdrawal
(Checking/Savings Account)
|
12 days |
| Paper Check |
12 days |
| Money Order |
2 days |
*We will hold your order for the number of days listed above and then your order will be released for shipment (please allow up to 10 days from the end of the hold time for your order to be shipped).
For more information on Shipping, please see
Shipping and Returns.
There are 4 ways to make a payment:
- Online: A fast way to make a payment is online at fingerhut.com. Sign in or register using the My Account link on the home page. Once there, you will see the My Credit Account section. Click on Make a Payment. You can make an electronic payment using your checking or savings account.
- Automated Phone System: Also fast and easy is calling Fingerhut's Automated Phone System at 1-800-208-2500. Electronic payments from your checking or savings account can be made 24 hours a day, 7 days a week.
- Customer Service Call: You can also call Customer Service at 1-800-208-2500 to make a payment over the phone between the hours of 8:00 am - 8:00 pm Central Time, Monday -Friday. You can make your payment electronically from your checking or savings account or your Visa or MasterCard debit card. There may be a processing fee related to these electronic payments.
- Mail: To mail a check or money order, send to: PO Box 166 Newark, NJ 07101-0166.
Make it easy by setting up recurring payments! Schedule all payments to be on time and paid in full, avoid late fees and make sure that you are rewarded with the revolving $200 Fingerhut Credit Account issued by MetaBank. You can do this by calling Customer Service at 1-800-208-2500 or using your bank's Bill Pay service.
How can I check the balance?
Checking your balance is easy. You can go to the fingerhut.com home page and sign in or register using the My Account link. Once there, you will see the My Credit Account section. Click on My Account Summary to see your balance. You can also check your balance by calling 1-800-208-2500 and using our Automated Phone System or asking to speak with a Customer Service Representative.
How do I view my statement online?
You can sign in or register for online viewing of your statement at the fingerhut.com home page using the My Account link. Once there, you will see the My Credit Account section. Click on My Account Summary to view your statement. You can also sign up to receive electronic statements. By doing this, each month when your statement is updated and ready for viewing, you will be sent an email with a secure link to sign in to My Account.
How do I know that my payment was received by Fingerhut?
You will see your payments on your monthly statement. If you would like to know about payments before getting your statement, you can sign in or register at the fingerhut.com home page using the My Account link. Once there, you will see the My Credit Account section. Click on My Account Summary to view your payments. You can also confirm payments by calling 1-800-208-2500 and using our Automated Phone System or asking to speak with a Customer Service Representative.
How do I update my account information?
To update your account information, please sign in or register online at the fingerhut.com home page using the My Account link. Once there, you will see the My Information section. Click on the Update My Information link. You can also call Customer Service at 1-800-208-2500, Monday through Friday, 8am to 8pm Central Time.
Is my personal information safe on fingerhut.com?
Your privacy is important to us. We take information security seriously at Fingerhut. We use proven tools and techniques to protect the security of your personal information. We strive to protect your personal information, but we cannot guarantee the security of all information you send to or from our websites. If you are sending us information about your Fingerhut account, please do not include any sensitive information in an email such as your Social Security Number or credit card number. We do our best to protect your privacy through the security implemented on our systems. See our
Privacy Policy for more information.
When is my next payment due?
Payment on your account is due by the date specified on your billing statement. To see your most recent statement, register or sign in at the fingerhut.com home page using the My Account link. Once there, you will see the My Credit Account section. Click on the My Account Summary link to see when your next payment is due. You can also call 1-800-208-2500 and use our Automated Phone System or ask to speak with a Customer Service Representative.
What will my monthly payment amount be?
Your monthly payment will be based on your order amount plus shipping and handling, taxes and finance charges. The total amount (less the $30 down payment) will be split equally over the remaining monthly payments, and will be reflected on your monthly statements. You will receive an Installment Loan Agreement by regular mail, which will include the anticipated monthly payments for your purchase. You can also see your monthly payment amount online. Register or sign in at the fingerhut.com home page using the My Account link. Once there, you will see the My Credit Account section. Click on the My Account Summary link to see your upcoming payment amount.
What happens if I pay my bill late?
Paying your monthly bills on time and in full guarantees your reward of a revolving MetaBank/Fingerhut Credit Account with a $200 credit limit. Just one late payment means you will not receive the credit reward. Fingerhut will also charge you a late fee if your payment is not received by the due date. Any late fees you incur on your account will be added as a final payment up to one month after your final installment.
To make sure we get a payment on time, or faster, register or sign in at the fingerhut.com home page using the My Account link. Once there, you will see the My Credit Account section. Click on the Make a Payment link. You can easily make your payment with an electronic withdrawal from your checking or savings account. You can also call 1-800-208-2500 to talk with a Customer Service Representative. To mail a check or money order, send to: PO Box 166, Newark, NJ 07101-0166.
How and when do I get rewarded with a Fingerhut Credit Account issued
by MetaBank?
You are rewarded after you've shopped, ordered and paid off your Fingerhut FreshStart® Credit Account issued by MetaBank. Just make all your installment payments on time and in full and you will automatically be rewarded with a revolving $200 Fingerhut Credit Account issued by MetaBank. It's a great way to build your buying power with us!
Remember, just one late payment means you will not get the credit reward.
What if my order exceeds my credit limit? Can I pay a bigger
down payment and make up the difference?
Unfortunately, no. Any order that is over your assigned credit limit will not be approved. The total cash price of your order must be at least $50 and no more than the assigned credit limit for it to be processed. Down payment amounts cannot be more or less than $30.00 and cannot be added to your credit limit.
Can I pay off early or will there be a penalty?
Yes, once you have received your order, you are welcome to pay off the balance at any time. There is no penalty and you can be rewarded with a
revolving Fingerhut Credit Account issued by MetaBank.
How can I contact FreshStart® Customer Service?
If you need to contact Customer Service for any reason, you can reach us by:
- Email: FingerhutFreshStart@fingerhut.com
- Mail: 6250 Ridgewood Road, St. Cloud, MN 56303
- Phone: 1-800-208-2500 Monday-Friday between the hours of 8:00 am-8:00 pm Central Time
How does Fingerhut protect my privacy?
Your privacy is important! We work hard to protect it. We follow the rules set by the Direct Marketing Association's Privacy Promise to American Consumers. It's pretty simple. We will not share or sell your information to other marketers (companies) if you ask us not to. If you ask us not to, we will not mail, call or email you marketing (advertising) offers.
What is your Security Policy?
We use the latest tools to protect all your personal information that we store. But information sent over the Internet to any person or company is not 100% secure. That is why we never ask you to email us your social security number, for example.
There's some other things you can do. It's important to keep all passwords in a safe place. Sign off your account when you are done checking it or shopping. That's really important, especially if you share a computer or use one in a public place, like a library.
What is your Privacy Policy?
Full disclosure of our Privacy Policy is available
here
What if I don't want emails, mail or calls from Fingerhut?
Just let us know by calling us at 1-800-208-2500 Monday
- Friday, 8 a.m. - 8 p.m. Central Time. Or go to My Account and change your
profile by unchecking the Opt-in box in the My Profile area. Or
click
here to contact us. Include your email address, full name, and tell us
what you want us to do. This might be "no phone offers", "no mail offers,"
"no email offers", or "no sharing of information with partners". We're happy
to do what you'd like.
What does McAfee Secure mean?
When you see this on our website, it means that it meets the highest security scanning standards of the U.S. government, Visa, MasterCard, American Express, Discover and JCB. We take the security of your information seriously!
How do I request a catalog?
To have a catalog mailed to you, you can click here to
Request a Catalog
and shop with Fingerhut Credit (if approved), a major credit card, debit card,
money order or check.
Can I look at an online catalog?
Like catalog shopping? Click on the
Shop The Catalog link and shop a catalog online. We make it easy to page through the catalog and add items to your cart! You can also sign up to receive an email when a new catalog is available by selecting the
Request A Catalog link.
Can I order online with my catalog?
Yes! You can always order from any Fingerhut catalog. Type in your catalog number and the Item # into the box on the top of any page. Enter the catalog number from the back of your catalog. When you use your catalog number, you get all the promotions offered on the catalog, like free gifts, pre-approved credit, deferred payments, and more. These offers are only for the person named on the catalog.
How do I find my catalog number?
Your catalog number is on the back cover of the catalog (below in yellow) and on the Order Blank in the middle of the catalog.
Where is my customer number on the catalog?
Your customer number is on the back cover of the catalog (below in yellow) and on the Order Blank in the middle of the catalog.
When will I get my next catalog?
We mail catalogs to customers all year long. If you have been ordering from us and your account is current, you'll get catalogs from us!
Can I order from friend's catalog?
Sure! You can order from any catalog. Use the catalog number on the back to order online or over the phone, or use the order blank in the middle of the catalog. However, any pre-approved credit and deferred payments are only for the person named on the catalog.
Are the prices in the catalog good forever?
Not forever, but for 90 days. In the rare event of a printing error, Fingerhut has the right to correct and change price.
Do you have special offers for customers with good payment records?
Yes. By keeping your balance low and making your payments on time, you could get special offers for deferred (buy now, pay later) billing and more! Plus, you'll be building your buying power with us, and could even get higher credit limits.
How do I keep getting catalogs?
By shopping with us and making your payments on time, you'll keep getting our great catalogs with exciting new items and great deals!
Can I use my Fingerhut Credit Account to buy other things?
Yes! As long as your payments are up-to-date, you can
buy flowers, magazine subscriptions, and even insurance with your Fingerhut
Credit Account on our website! We'll add these items right to your Fingerhut
Credit Account. Our partner offers can be found on the right column of the
My Account page!
What happens when I pay my bills late?
Most companies that give credit add the interest daily, so the longer you wait to pay, the more you pay. Plus, late payments can lead to late fees, higher interest, as well as poor reporting on your credit history. For these reasons, late payments can make a huge difference to your credit report.
Will a bad payment history hurt me in the future?
Yes, it will really impact you in bad ways. By not managing your credit, you'll most likely get poor terms (higher APR's, higher minimum monthly payments, lower credit limit amounts, etc) and you'll end up paying more than other people with better credit. This is because the lender is taking on a greater risk due to your bad payment history.
Who's going to care if I don't pay my Fingerhut accounts?
First off, you should and we do! Then, anyone who might offer you a job or loan you money for a car, student loan, mortgage, or decide what you'll pay for rent and insurance. They all look at your credit
Consider these facts. Late payments are reported to the credit bureau each month; "charged off accounts" stay on your credit bureau report for 7 years; and bankruptcy stays on your report for 10 years! So remember to always make your payments on time to avoid negative information on your credit record.
What is a Credit Score?
A credit score is a math score that looks at many types of information in your credit file. A credit score is used by a lender to help decide whether you should get a certain credit card, loan, or service. Most credit scores help figure out how risky it is to lend a person money or give them a service - or, how likely the person will make payments on time. Usually, the higher the score, the less risk.
How can I get my Credit Score?
Where can I find out more about Identity Theft?
What is debt-to-income ratio?
A debt-to-income ratio is one way to measure how financially stable you are. You divide monthly minimum debt payments (excluding mortgage or rent payments) by monthly gross income. Your monthly gross income is what you make before taxes and anything else are taken out.
How do I figure out my debt-to-income ratio?
For example, if you had gross monthly income of $2,000 and are making minimum payments of $725 on loans and credit cards, you'll have a debt-to-income ratio of 36 percent ($725 / $2000 = .36).
Your Monthly Gross Income is your income before taxes or other deductions. Here are some tips to help you remember all your income:
- If you're paid every other week, take one paycheck times 2.17 to figure out monthly income
- Regular income from spousal support and child support can be counted as income
- Include averages of bonuses, commissions and tips
- Don't forget dividends and interest earnings
- Include other income such as government benefits and/or assistance
Your TOTAL monthly debt payments include your current minimum payments on all your credit cards and loans (include mortgage or rent). When adding this number include:
- Car payments
- Installment loan payments on furniture and appliances
- Bank and credit union loans
- Student loans
- Other loans and credit lines
- All credit cards
- Medical care and doctor bills
What is a good debt-to-income ratio?
The lower your debt-to-income ratio, the better off you are. A good debt-to-income ratio is less than 36 percent. If it's higher 36 percent, you should think about making some changes for a better financial situation.
Why is watching my debt-to-income ratio important?
It's important to watch how much debt you have. Knowing your ratio will help you make good decisions about buying with credit. Keeping your debt-to-income ratio less than 36 percent can help you avoid some major credit problems. Also, if your ratio is high, it can be hard to get credit in emergencies.
When is my next payment due?
Your payment on your MetaBank/Fingerhut Credit Account is due by the date listed on your statement. To see your statements, sign in to your Fingerhut.com account and click on
My Account.
What happens if I pay my bill late? Are there late charges?
It's important to pay your bill on time. Fingerhut will charge you a late fee if your payment is late. We will also call you or send you a letter.
You can make a payment online by clicking on the Credit Account link and using your checking or savings account.
You can also talk to one of our representatives to make a payment over the
phone 1-800-208-2500. (There might be a fee for this service.)
To mail a check or money order, send to: Fingerhut, PO Box 166, Newark, NJ 07101-0166
Can I set up automatic payments to be taken out of my bank account?
Yes, you are able to set up automatic payments on your
Bank Credit/Debit Card or automatic withdrawals on 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 Monday - Friday, 8 a.m.
- 8 p.m. Central Time to set up automatic payments.
My payment is due 5 days before I am paid every month. Are you able to change my due date?
We know that sometimes a due date just may not work out
for you. Call us to talk about setting a new date. 1-800-208-2500 Monday -
Friday, 8 a.m. - 8 p.m. Central Time.
How can I pay less in interest charges?
If you pay your balance off every month, you'll be in great shape! If you can't pay off your whole balance, paying more than your minimum due will lower your interest charges.
How can I make a payment fast?
You can make payments online at fingerhut.com or call
1-800-208-2500 Monday - Friday, 8 a.m. - 8 p.m. Central Time and pay over
the phone. There is a fee for these phone payments, but the fee is still small
compared to a late payment!
Should I worry about paying on credit in this economy?
First of all, you know how much you can spend. And most people who buy on credit make their payments. It's always a good idea to keep your balances as small as possible and not "max out" your credit line.
How can I make payments if I lose my job?
Yes. If losing your job would keep you from making payments
you should sign up for our SafeLine Account Protection. With SafeLine, if
you involuntarily lose your job, or are disabled, we'll freeze your account
for up to six months. SafeLine also protects your family by paying your outstanding
balance in full should you die. Just call us at 1-800-603-7052 to sign up
for
SafeLine or learn
more.
What is a Manufacturer's Warranty?
Many of our products are covered by the manufacturer for different periods of time. If your purchase is covered by a warranty, the information will arrive with your product along with manufacturer contact information.
If available, you can get a complete manufacturer's warranty before you buy. To request this information, tell us the product name and product code and send to:
Fingerhut
6250 Ridgewood Road
St. Cloud, MN 56303
Can I buy extended warranties on your products?
On many products, yes! You can protect your purchase and add to your peace of mind with a Fingerhut Extended Warranty. After the manufacturer warranty expires, if your product fails for any covered reason we cover parts and labor or will replace your product at no extra cost.
Our Extended Warranty includes:
- Full Fingerhut Coverage for Parts and Labor.
- Extends any Manufacturer's Warranty.
- No deductibles. No hidden charges.
- A great value as low as $1.99 a month.
To purchase an Extended Warranty, simply call Customer Service Monday through Friday, 8am to 8pm Central Time.
Extended warranties are not available in Puerto Rico, Virgin Islands, Guam, American Samoa, Federated States of Micronesia, Marshall Islands, Northern Mariana Islands or Palau.
Product Recall Notices
Dear Valued Customer,
Fingerhut is very concerned about the safety and well being of our customers and their families. We intend to always treat our customers with courtesy and respect. The customer relationship is a very important part of our business.
We strive to provide our customers with products that meet or exceed our quality standards, and your expectations. Our quality and safety standards comply with applicable domestic safety laws, and we expect our suppliers to comply with those same laws. On rare occasions, our suppliers may discover a product safety concern after an item has already shipped to our customers. When this happens, our Fingerhut Quality Assurance team will work closely with our suppliers and the U.S. Consumer Product Safety Commission to make sure our customers are notified about product recalls. We have made this section of our web site available to customers to ensure that you have all of the most up to date information about recalls that may affect our customers.
For more information about product recalls and safety information, please visit this U.S. Government Web site: www.recalls.gov, or call our Fingerhut Customer Service department at 1-800-208-2500.
Your satisfaction is important to us, and we thank you for your business. We understand the trust you place in us, and want you to know that we are doing everything we can to continue to provide a great shopping experience with high quality products.
Sincerely,
Fingerhut
Recall Notices:
Perfect Pullup Recall
Burlington Basket Bassinet Recall
Graco Recalls QuattroTM and MetroLiteTM
Strollers Due to Risk of Entrapment and Strangulation
Bravo Sports Recalls Trampolines Due to Fall
Hazard
Fisher-Price
Trikes
Fisher-Price
High Chairs
Fisher-Price
Infant Toys
Step2®
Recalls Children's Transportation Station Toys Due to Choking Hazard
Wire Feed Welders Recalled by Star Asia USA Due to Burn
Hazard
Hoover Recalls Upright Vacuum Cleaners Due to Fire and Shock
Hazards
Step2® Recalls to Repair Riding Toys Due to Risk of
Injury
Graco HarmonyTM High Chairs Recall
Graco Strollers Recall
Rifle Crossbow Recalled by Master Cutlery
Roman and Roll Up Blinds Recall
Stork Craft Crib Recall
Coby Electronics Portable DVD/CD/MP3 Players
Handy Switch, Wireless Light Switch
Black & Decker Coffeemakers
Recall Simplicity Bassinet
Recall
Little TikesTM Recalls Children's Toy Workshop
Recall H2O Steam Mop 2009
Recall Simplicity Dropside Crib 2009
Evenflo Envision High Chair Recall
Evenflo ExerSaucer Recall
Stork Craft Crib Recall
Stork Craft Crib Recall
Chef's Mark 15 Piece Cookware
Delta Enterprise Missing Safety Pegs
Delta Enterprise Spring Peg Failure
Fingerhut
Recalls Simplicity Drop-side Cribs Due To Strangulation Hazard
Fingerhut Recalls Simplicity Bassinets Due To Strangulation
Hazard
Fingerhut Recalls Master Craft® Pressure Washers Due to Fire
Hazard
About 1 Million Simplicity Cribs Recalled Due To Failures Resulting in Infant Deaths
Purchase with Purchase Promotion Returns
If you return any item that is discounted as part of a purchase with purchase
promotion, you will be credited for the item, less any discounts received.
Where is my return credit?
Everyone always wants to know how fast their return will be credited to their account. A general rule of thumb is to allow 10 - 15 days to receive your return credit from the day you put it in the mail. This gives your return time to make its way back to us and for us to process and credit your account.
You can also simply sign into your Fingerhut account to view your available balance and see if your return credit appears.
What if I am ordering merchandise that is going to be a surprise/gift for someone? Will they be able to tell what is in the box?
Unfortunately, we don't repackage items before shipping. To be safe, you might want to ship the order to a different address to prevent a surprise from being spoiled.
I'm having issues making a payment using my mobile phone. Why won't it work?
Due to the fact that we have not yet developed and/or configured Fingerhut.com for mobile devices, it is possible that the site will not function properly when visited on certain mobile devices. Please note that we plan to launch a mobile version of Fingerhut.com sometime in 2012. Until then, we suggest making payments from a desktop or laptop computer.