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    Fingerhut FAQs




  • Orders

  • IMPORTANT SALES TAX INFORMATION

    Sales Tax is a tax imposed by state and local jurisdictions on retailers for the privilege of selling tangible goods to consumers. Each State and local jurisdiction has their own calculation and guidelines for what are "taxable goods" and what are exempted. A purchase on the internet is often subject to those taxes and is not exempted from sales tax.

    In states where Fingerhut is required to submit sales tax, Fingerhut may charge your order for tax. If your purchase is taxable within your state or jurisdiction, and Fingerhut has not charged your order Sales Tax, you may be responsible for paying the sales tax on your purchase.

    Tax rules and guidelines can be found at your state's taxing authority website. Also see: INDIVIDUAL STATE SALES/USE TAX INFORMATION



  • How do I use a promo code when I order?

    During the online checkout process, you will be able to enter a valid promo code during Step 3 (Review & Place Order).

    Please make sure to review the terms and conditions of the promotional code.

  • How do I cancel an order?

    We begin to fill your order immediately after it has been submitted. If you would like to cancel your order -- you can contact our customer service department, and we'll do our best to stop the shipment. If we are unable to, you may choose to simply return the order -- just follow the return instructions that came with your shipment.

  • How do I track my Fingerhut order? 

    If you have provided us your email address, when your order ships, we will send you an email with your tracking information.

    You may also view the status of your order by signing in to your account and going to My Orders on the left side. Click on Order History.

    If it has been five (5) or more days since the delivery date of your package, download an affidavit form to assist us with researching your package. It is also important to double check the area surrounding your residence including your porch or garage, ask your neighbors or building manager. Once you have filled the form out, email it back to us for faster service. We will conduct an investigation and respond to you typically within 3 days to let you know the result of our investigation. Click here to download an affidavit.

  • I have not received some or all of the products I ordered.

    You may view the status of your order by signing in to your account and going to My Orders on the left side. Click on Order History.

    If we have your email address on file, we will send a confirmation email when your order is shipped. This email will include your tracking information. Please note that we only send confirmation emails for items shipped from our warehouse.

    If it has been five (5) or more days since the delivery date, download an affidavit form to assist us with researching your package. It is also important to double check the area surrounding your residence including your porch or garage, ask your neighbors or building manager. Once you've filled the form out, email it back to us for faster service. We'll conduct an investigation and respond to you typically within 3 days to let you know the result of our investigation. Click here to download an affidavit.

  • Can I use more than one method of payment on my order? 

    For online purchases only. 

    Advantage:
    You may use your WebBank/Fingerhut Advantage credit, and a debit card to complete your order. After your first order you may use your Advantage credit and a credit card or debit card.

    FreshStart:
    You may use your WebBank/Fingerhut FreshStart credit to place an order and a debit card to make your down payment.
    You may use a debit card to pay the order total over your FreshStart credit limit, in addition to the down payment.

  • How do I get free gifts from Fingerhut?

    One of the best things about ordering from Fingerhut is getting free stuff!

    Free gift promotional codes will be available periodically on the website. To receive an advertised free gift, enter the free gift promotional code during checkout. Please remember, only one promotional code is allowed per order!

  • How can I order?

     

    Online: Sign in to your account.  When you find an item you would like to purchase, select Add to Cart.  You will be prompted to check out or to continue shopping.


    Mail: Fill out and sign the Order Form in your catalog and send it through the mail to:

    Fingerhut
    6250 Ridgewood Rd.
    St. Cloud, MN 56303

    If you do not have an order form, you may send your order on a plain piece of paper.  Please include the following information with your order:


    Name
    Customer Number (if you have one)
    Address
    Phone Number
    Payment Information

    We will call if we have any questions!

    Phone: Call 1-800-603-7052 any time day or night to place an order with one of our representatives!
     

  • How do I use a gift card to pay? 

    During the online checkout process, you will be given the option of using a gift card for payment.   

  • How do I shop on the website? 

    For new customers, click here to register on Fingerhut.com! 

    A Fingerhut account provides great benefits:
     


    Update your shopping profile
    Order instantly with catalog quick order
    Check your account
    Shop thousands of brand name products you and your family will love
    100% Satisfaction Guarantee
    Apply for a WebBank/Fingerhut Advantage Credit Account
    Manage your budget with easy payment options

  • Will you have a Spanish language website in the future?

    While we have decided to discontinue the Spanish language version of the website, there remains the possibility that we will have a Spanish language website in the future. We will continue to remain committed to serving our Spanish speaking customers.

  • Where is the Spanish language website? 

    We are very committed to serving our Spanish speaking customers. However, due to low traffic, we have decided to discontinue the Spanish language version of www.fingerhut.com. We found that the majority of our website users utilized the English language version of the site.

  • ¿Dónde está la página web en español?

    Estamos dedicados a servir nuestros clientes de habla hispana. Sin embargo, debido a tráfico bajo, hemos decidido descontinuar la página web de fingerhut.com en español. Descubrimos que la mayoría de los usuarios de la página web usan la versión en inglés. 

  • ¿Tendrán una página web en español en el futuro?

    Aunque decidimos descontinuar la versión de nuestra página web en español, existe la posibilidad de que tengamos una página web en español en el futuro. Continuamos dedicados a servir nuestros clientes de habla hispana.

  • Returns & Shipping

  • Extended Return Policy 

    We want you to be happy with your purchase. Items can be returned or exchanged in original condition until March 21, 2018. The Extended Return Period applies to holiday orders placed between October 1 and December 21, 2017. For orders placed after December 21, 2017, enjoy our Standard Return Policy. Certain product categories, which have a 30-day return period under our Standard Return Policy, can be returned until January 31, 2018. Other restrictions may apply.

    For additional information and exclusions, see our Return Policy.


     

  • What is your Return Policy? 

    Items can be returned or exchanged in original condition within 90 days. Returns will not be accepted after 90 days. Refunds will be made in original form of payment. Shipping and handling charges are non-refundable. Return postage is the responsibility of the customer. Some returns may be subject to an additional Return Shipping Fee. Product concerns beyond the return period must be handled under the manufacturer's warranty.

    If you use your WebBank/Fingerhut Credit Account or WebBank/Fingerhut FreshStart Credit Account, you must continue making payments on your account until your return has been processed to avoid late fees and negative credit bureau reporting.

    Music, movies, video games and software must be returned unopened (factory sealed). Exchanges are for exact item only.

    Computers, tablets (and other devices that can connect to the internet), camcorders, digital cameras, electronic game systems, air conditioners, heaters, generators and holiday decorations must be returned within 30 days.

    All swimwear must be in original condition and cannot be washed or worn and returned with the original tags and packaging. Do not remove any protective slips. No refund or credit will be issued for swimwear that does not meet the return policy and will be returned to you at your expense or disposed of.

    RETURNS ARE LIMITED FOR MOBILE DEVICES. Only defective or damaged phones can be returned for credit or exchanged for an identical device and must be within 30 days.

    Tires must be returned in new condition within 30 days. Returns will not be accepted for tires that have been used and/or mounted or damaged.

    Mattresses, mattress sets, box springs and foundations delivered by truck (ship codes "o" through "r") must be inspected upon delivery and delivery must be refused if damaged or defective. These items can only be returned for a refund if the packaging has not been opened and delivery was refused.

    Products sold in sets must be returned as a set; partial returns will not be accepted.

    Personalized/customized products may be returned for credit if they are damaged or defective. Exchanges are for the exact item only.

    Gift cards and perishable items cannot be returned.

    Other restrictions may apply.


    For details on how to return an item, also see How Do I Return or Exchange Something I Bought? and our Returns Center

  • What if my item is damaged, defective or isn't what I ordered?

    Let us make it right. You can use the pre-paid return label you may have received in your package. If you did not receive one with your packaging, sign in to your account and go to My Orders on the left side. Click on Returns Center to print a new return label.

    For defective items (not FitBit or Onkyo), please contact the manufacturer first to report any defects. If the manufacturer advises you to return the item to Fingerhut, please utilize the pre-paid return label in your package or visit our Returns Center.

    For defective FitBit or Onkyo items, please use the pre-paid return label or visit our Returns Center.

    Once shipped, only defective or damaged devices can be exchanged for an identical device on phones. Defective or damaged exchanges must be within 30 days of purchase.

    If you do not have your return label or packaging slip, just sign in to your account and go to My Orders on the left side. Click on Returns Center. Select the order and the items you would like to return and hit the Print Label button. A packaging slip will be included in your print outs.

    Return postage is the responsibility of the customer, except for damaged or defective items, duplicate items or items that you did not order. Final determination of product condition is subject to our inspection. All other returns will be charged for return shipping and will be deducted from your credit according to the weight of the package:

    USPS Smart Label within the 48 contiguous states: 1-5 lbs. $7.95; 6-10 lbs. $14.95; 11-30 lbs. $23.95; 31-70 lbs. $29.95

    USPS Smart Label outside the 48 contiguous states: 1-5 lbs. $10.95; 6-10 lbs. $19.95; 11-30 lbs. $29.95; 31-70 lbs. $39.95

    UPS Label: 1-5 lbs. $14.95; 6-10 lbs. $24.95; 11-30 lbs. $34.95; 31-70 lbs. $51.95

    Truck-shipped or oversized returns (ship codes O, P, Q and R): up to $110; Note: you won't be charged more than the original shipping

  • Why can't I ship my order to an address besides my billing address? 

    When you place your first order with us, and you use your Fingerhut Credit, the billing and shipping address need to match. We do this for your protection as we want to ensure the order is being shipped to you, the account holder. Subsequent orders, you have the ability to change your shipping address.

    If you would like to change the address on your first order, you can use an alternate method of payment, i.e. Visa, MasterCard, Discover or American Express.

  • What are the shipping charges?

    You may view the shipping and handling charges here.

  • How do I return or exchange something I bought?

     

    If you received your item within the last 60 days or, if your item was received defective or damaged, just follow these 4 easy steps:




    If you do not have your return label or packaging slip, just sign in to your account and go to My Orders on the left side. Click on Returns Center. Select the order and the items you would like to return and hit the Print Label button. A packaging slip will be included in your print outs.

    Return postage is the responsibility of the customer, except for damaged or defective items, duplicate items or items that you did not order. Final determination of product condition is subject to our inspection. All other returns will be charged for return shipping and will be deducted from your credit according to the weight of the package:

    USPS Smart Label within the 48 contiguous states: 1-5 lbs. $7.95; 6-10 lbs. $14.95; 11-30 lbs. $23.95; 31-70 lbs. $29.95

    USPS Smart Label outside the 48 contiguous states: 1-5 lbs. $10.95; 6-10 lbs. $19.95; 11-30 lbs. $29.95; 31-70 lbs. $39.95

    UPS Label: 1-5 lbs. $14.95; 6-10 lbs. $24.95; 11-30 lbs. $34.95; 31-70 lbs. $51.95

    Truck-shipped or oversized returns (ship codes O, P, Q and R): up to $110; Note: you won't be charged more than the original shipping


    Note: Pre-paid return labels are not available for truck-ship items, oversized items or Fingerhut FreshStart accounts. Contact Customer Service to help with your return.
    For more detailed information on returns see What is Your Return Policy?

     

    What if my item is damaged, defective or isn't what I ordered?

    Let us make it right. You can use the pre-paid return label you may have received in your package. If you did not receive one with your packaging, sign in to your account and go to My Orders on the left side. Click on Returns Center to print a new return label. For more detailed information see What if my item is damaged, defective or isn't what I ordered?

     

    What if I placed my order with a Fingerhut Gift Card?

    Credit will be applied back to the Fingerhut Gift Card that was used for your purchase upon receipt of the return. It typically takes 10 days from the time you mail your item to us to receive it. If you provided us with your email address, we will email you when your account has been credited. You can also check on your return status and available credit by signing in to your account and going to My Orders on the left side. Click on Returns Center. Gift cards cannot be returned.

     

    How long will it take to receive my return credit?

    It typically takes 10 days, from the time you mail your item to us to receive it and credit your account. If you provided us with your email address, we will email you when your account has been credited. You can also check on your return status and available credit by signing in to your account and going to My Orders on the left side. Click on Returns Center.

     

    I misplaced or did not receive a return label. How can I get another return label?

    Sign in to your account and go to My Orders on the left side. Click on Returns Center to print a new return label

    Note: Pre-paid return labels are not available for oversized items or Fingerhut FreshStart accounts in our Returns Center. Please follow the return instructions on your packing slip or contact us for more information on these types of returns.

     

    What if I don't have my packing slip?

    No problem! If you don't have your packing slip, you can print one off by signing in to your account and going to My Orders on the left side. Click on Returns Center. Or create your own.


    To print a packing slip: sign in to your account and go to My Orders on the left side. Click on Returns Center. Select the order and the items you would like to return and hit the Print Label button. A packing slip will be included in your print outs.
    To create your own packing slip: write down your order number and specify if you would like a return credit or if you would like an exchange for a different item. Put this information inside of your box. Mail the box to: Fingerhut, 6250 Ridgewood Road, St. Cloud, MN 56395.

     

    What if I received this item as a gift?

    No problem! If you need to return an item that was received as a gift you can use the pre-paid return label you may have received in your package. If you did not receive one with your packaging, please contact us to request return postage.

     

    How do I return an item that was delivered to me by a trucking company (oversized)?

    We can help! If you need to return an item that was delivered to you by a trucking company you may require a special return label. Please contact us to request return postage.

     

    How do I return my Free Gift?

    Free Gifts do not need to be returned, even if you return the rest of your order. The Free Gift is yours to keep!

    If you received a damaged of defective Free Gift we can help! Please contact us to report any problems with your Free Gift.

  • Can all Fingerhut products be shipped with 2-day shipping? 

    Most products can, and we can also ship with this option to most addresses. We can't offer 2-day shipping on backorders, items that are too heavy or too big, or items shipped to you directly from the manufacturer. The 2-day shipping option is allowed within the 48 contiguous states, but not APO or FPO locations, or PO Boxes.

    Our checkout process will not provide the 2-day shipping option when you are trying to order an item that is not eligible.

  • How fast is Standard shipping? What about 2-day shipping? 

    Standard shipping will vary by your location, but typically means your order will ship and deliver within 5-7 business days! 2-day shipping means your order will leave our warehourse within 1 business day and should be delivered within 2 business days after that. There is an extra fee of $14.99 per item for 2-day shipping and some restrictions apply.

  • What does "Ships directly from supplier" mean? 

    These are products that are shipped to you directly from the supplier or manufacturer (also referred to as drop ship). When you order an item that is shipped to you directly from the supplier, we will notify you the expected delivery date. Because we are not the shipper, we are not able to guarantee delivery date or provide a 2-day shipping option.  

  • When will my return be credited or my exchange be sent? 

    Once your return has been scanned by the shipper, we will display the tracking information in the Returns Center in the My Orders area of Fingerhut.com. Or, you can simply visit the shipper's website and enter in your tracking number. If you received a Smart Label, go to http://www.tracking.smartlabel.com/ and enter your tracking number. If you received a UPS label, go to https://www.ups.com/ to track your package.  

    If it has been more than fifteen (15) days since you returned your package, download an affidavit form to assist us with researching your returned package.  Once you have filled the form out, email it back to us for faster service.  We will conduct an investigation and respond to you typically within 3 days to let you know the result of our investigation. Click here to download an affidavit.

  • I misplaced my return label, how can I get another return label?

     

    If you do not have your return label or packing slip, sign in to your account and go to My Orders on the left side. Click on Returns Center. Select the order and the items you would like to return and hit the Print Label button. A packing slip will be included in your print outs.

    Return postage is the responsibility of the customer, except for damaged or defective items, duplicate items or items that you did not order. Final determination of product condition is subject to our inspection. All other returns will be charged for return shipping and will be deducted from your credit according to the weight of the package:

    USPS Smart Label within the 48 contiguous states: 1-5 lbs. $7.95; 6-10 lbs. $14.95; 11-30 lbs. $23.95; 31-70 lbs. $29.95

    USPS Smart Label outside the 48 contiguous states: 1-5 lbs. $10.95; 6-10 lbs. $19.95; 11-30 lbs. $29.95; 31-70 lbs. $39.95

    UPS Label: 1-5 lbs. $14.95; 6-10 lbs. $24.95; 11-30 lbs. $34.95; 31-70 lbs. $51.95

    Truck-shipped or oversized returns (ship codes O, P, Q and R): up to $110; Note: you won't be charged more than the original shipping

    Note: Pre-paid return labels are not available for truck-ship items, oversized items or Fingerhut FreshStart® accounts. Contact Customer Service to help with your return.
     

  • 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!

    Additional shipping time may be needed if you have requested Monogramming and Engraving, or if your item is over-sized like furniture or appliances.

    You may view the status of your order by signing in to your account and going to My Orders on the left side. Click on Order History.
     

  • 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.  

  • I want to return an item, but I don't have my packing slip? 

    If you do not have your return label or packaging slip, just sign in to your account and go to My Orders on the left side. Click on Returns Center. Select the order and the items you would like to return and hit the Print Label button. A packaging slip will be included in your print outs.


    Return postage is the responsibility of the customer, except for damaged or defective items, duplicate items or items that you did not order. Final determination of product condition is subject to our inspection. All other returns will be charged for return shipping and will be deducted from your credit according to the weight of the package:

    USPS Smart Label within the 48 contiguous states: 1-5 lbs. $7.95; 6-10 lbs. $14.95; 11-30 lbs. $23.95; 31-70 lbs. $29.95

    USPS Smart Label outside the 48 contiguous states: 1-5 lbs. $10.95; 6-10 lbs. $19.95; 11-30 lbs. $29.95; 31-70 lbs. $39.95

    UPS Label: 1-5 lbs. $14.95; 6-10 lbs. $24.95; 11-30 lbs. $34.95; 31-70 lbs. $51.95

    Truck-shipped or oversized returns (ship codes O, P, Q and R): up to $110; Note: you won't be charged more than the original shipping

    Note: Pre-paid return labels are not available for truck-ship items, oversized items or Fingerhut FreshStart® accounts. Contact Customer Service to help with your return.
     

  • Do you ship to APO and FPO addresses? 

    We are happy to ship most items to any United States Post Office address. This includes APO and FPO addresses. We just can't offer the 2-day shipping option to an APO or FPO location, or PO Boxes at this time. Also note we are not able to ship Drop-ship or send oversized items to an APO or FPO location, or a PO Box.   

  • Can you ship to a PO Box? 

    Some items can be shipped to a PO Box. If an item cannot be shipped to a PO Box, we will ask you to provide a physical address. If you do not provide a street address, you will be responsible for the original and return shipping and handling.   

  • How long will it take to receive my credit for a returned item?

     

    It typically takes 10-15 days, from the time you mail your item to us to receive it and credit your account. If you provided us with your email address, we will email you when your account has been credited.

    You can also check on your return status and available credit by signing in to your account and going to My Orders on the left side. Click on Returns Center.

  • What will I be charged for using my prepaid return label? 

    The return fee is based on how much your package weighs. There are separate rate charts for our USPS partner and UPS. The rate charts are published on your packing slip and in the body of the email or letter that was sent with the label. There is a separate rate chart if you live outside the 48 contiguous states.


    If you are using the Smart Label and you live within the 48 contiguous states: 

    Weight Fee
    1-5lbs $7.95
    6-10lbs $14.95
    11-30lbs $23.95
    31-70lbs $29.95

     

     

     

     

     

    If you are using the Smart Label and you live outside the 48 contiguous states:

    Weight Fee
    1-5lbs $10.95
    6-10lbs $19.95
    11-30lbs $29.95
    31-70lbs $39.95

     

     

     

     

     

    If you are using the UPS Ground label:

    Weight Fee
    1-30lbs $14.95
    31-70lbs $24.95
    71-100lbs $34.95
    100-150lbs $51.95

     

     

     

     

     

    Truck-shipped or Oversized Returns Cost
    Ship Codes O, P, Q and R Up to $110.00
    Note: you won't be charged more than the original shipping

     

     

     

     

     

    Note: All products that are powered by a combustion engine, you must void the fuel tank of all liquid and fumes prior to mailing. Broken glass cannot be returned. Bottles containing flammable liquids (perfumes, canisters) must be tightly sealed before mailing your return.
    For more information, view the full Return Policy and our Returns Center.
     

  • I returned my item to Fingerhut and you have not received it yet.

    Once your return has been scanned by the shipper, we will display the tracking information in the Returns Center in the My Orders area of Fingerhut.com. Or, you can simply visit the shipper's website and enter in your tracking number. If you received a Smart Label, go to http://www.tracking.smartlabel.com/ and enter your tracking number. 
     

  • 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/FPO addresses. 

  • 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.  

  • Payments, Balance, Account Info

  • What are deferred payment offers?

     

    Deferral Periods

    You may be eligible for Deferred Payments, which are periods of time when you are not required to make payments on a specific purchase. 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 interest charges and the dates until which payments are deferred. The deferral plan offered to you is made at the sole discretion of WebBank (as implemented by Fingerhut) and cannot be changed by customer request.


    Deferred Payments:
    Monthly payments on the deferred purchase are not required during the Deferral Period.
    Interest will be charged at the monthly periodic rate on your deferred purchase from the date of purchase. Interest charged during the Deferral Period will be added to your deferred balance, even 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.

    Please note: To ensure qualified orders are placed on deferral, provide your Catalog Number or promotion code at the time of the order.  Orders placed without this information will not be placed on deferral.
     

  • My payment is due 5 days before I am paid every month, are you able to change my due date?

     

    We know that at times a due date may not work.  We can change your cycle date one time in a 12 month period. 

    To contact our Customer Service Department via email, please click here and complete the simple form.  

    You may also contact us by phone. 

    *Important Note for Fingerhut FreshStart® Accounts:

    Unfortunately, because this account is an installment loan, we are unable to make any changes to your due date or the date your statement is sent to you.
     

  • How do I get a credit line increase?

    We review accounts several times a year systematically. As your credit profile changes, we may reduce or increase your credit line.

    Continuing to make payments on time may make your account eligible for an increase. Please note, we are not accepting requests for credit line increases at this time. If your account is eligible at the time of systematic review, you will be automatically given an increase and notified by regular mail, an email or messaging on your monthly statement.

    Missed payments may reduce your credit line if your account becomes delinquent.
     

  • 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? when on the Sign in page. If you are still having trouble, please call Customer Service at 1-800-208-2500 8AM - 8PM (CT), Monday - Friday for help.

    If you do not remember the answers to your security questions, after several tries you will be asked to reset them. For your protection, Customer service cannot change your security questions.

  • How do I make a payment on my WebBank/Fingerhut Advantage Credit Account?

     

    Online: Sign in to your account and select My Account at the top of the page. On the left side of the page select under My Account select Make a Payment. From there, you can select a one-time payment or set up recurring payments. We accept checking/savings accounts, Visa, MasterCard, and American Express.

    Bank Bill Pay: You can make your payments electronically using your checking or savings account if you have a bill pay service. You can find your 16 digit account number and our address on your statement.

    Automated Phone System: Call 1-800-208-2500 to make a payment through our automated system any time day or night. Checking/Savings, Credit and Debit cards are accepted.

    Walk In: You can pay your bill using CheckFree.  Use the Payment Center Locator to find a location near you. CheckFreePay will send the payment to Fingerhut directly.

    Mail: Send a check or money order to:

    Fingerhut
    PO Box 166
    Newark, NJ 07101-0166

    Payments made before 11:00 pm Central Time will be credited to your account the same day.

    Payments made after 11:00 pm will be credited to your account the following day.

  • How can I view my current account information and past statements? 

    Sign in to your account and select My Account at the top of the page. On the left side click the Statements link.

    From here you can view your:

    ? Available Credit
    ? Account Number
    ? Due Date
    ? Minimum Due
    ? Current Balance
    ? Last Statement Balance

    You may also download past statements. 

    Tired of receiving lots of mail?  Sign up for eStatements!

    View the terms and conditions of our eStatements by clicking here.

  • What will my WebBank/Fingerhut Advantage Credit Account monthly payment amount be?

     

    Monthly minimum payments due for your WebBank/Fingerhut Advantage Credit Account are calculated based on the payment chart available on Fingerhut.com. 

    Please note that you can pay more than the minimum due or the entire balance at any time without penalty.

    Please see below to review the payment chart.

     

     

    Payment Chart

                                     Account Balance
                      From                                       To                          Minimum PMT $

    -

    $6.98 100%
    $6.99 $44.99 $6.99
    $45.00 $69.99 $7.99
    $70.00 $99.99 $8.99
    $100.00 $124.99 $10.99
    $125.00 $199.99 $14.99
    $200.00 $249.99 $17.99
    $250.00 $299.99 $20.99
    $300.00 $349.99 $23.99
    $350.00 $449.99 $29.99
    $450.00 $549.99 $34.99
    $550.00 $799.99 $46.99
    $800.00 $1,099.99 $59.99
    $1,100.00 $1,399.99 $69.99
    $1,400.00 $- 5%

  • What happens if I pay my bill late? Are there late charges? 

    The minimum amount due must be received no later than the due date. 

    If not, your account may be charged a late fee.  Please review the Terms and Conditions of your credit account by clicking here.

  • 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 Hello. Sign In on the top of any page. All you need is your Fingerhut customer number from the back of your catalog, an email address and password. If you need help, please call Customer Service at 1-800-208-2500 8AM - 8PM (CT), Monday - Friday.
     

  • Will a bad payment history hurt me in the future? 

    Yes, a bad payment history has a negative impact to your credit. A bad credit history can raise your APR and minimum monthly payments, lower your credit limits, and more.  A bad payment history forces the lender to take on a greater risk.  

  • Where is my return credit?

    It typically takes 10-15 days from the time you mail your item to us to receive it and credit your account. If you provided us with your email address, we will email you when your account has been credited.

    You can also check on your return status and available credit by visiting the Returns Center in the My Orders section of Fingerhut.com.

  • How long does it take for my payment to show up on my account?

     

    You will see your payment on your account within 1-2 business days.  Please note that your available credit will update immediately. 

  • How do I log off of fingerhut.com? 

    Just go to My Account at the top of any page and click on Sign Out.  

  • How can I pay less in interest charges? 

    Paying your balance in full or paying more than your minimum amount due will lower your interest charges.  

  • When will I get my first billing statement? 

    You will receive your first statement 30-45 days after making your first purchase.

    You can also see your statement information online. 

    Sign in to your account and select My Account at the top of the page. On the left side click the Statements link.

    From here you will be able to view your:


    Available Credit
    Account Number
    Due Date
    Minimum Due
    Current Balance
    Last Statement Balance

    You may also download past statements. 

    Tired of receiving lots of mail?  Sign up for eStatements!

    View the terms and conditions of our eStatements by clicking here.

     

  • How do I sign in to my online account? 

    Just click on Hello. Sign in at the top of any page on Fingerhut.com.  

  • Can I use my catalog and customer number to sign in to fingerhut.com? 

    Your Fingerhut customer number and catalog number are linked to your Fingerhut.com account, but they are not the same. For your protection, we do not allow you to login using either your catalog or WebBank/Fingerhut Advantage Credit Account.

    If you do not have a Fingerhut.com account, you can easily create one. Click here and fill in your information under the Register on fingerhut.com section.

    Once you sign in to your new account you will be able to view your WebBank/Fingerhut Advantage Credit Account information.
     

  • How do I know my payment was received?

     

    You will receive a payment confirmation number when you pay by phone or online.  For mailed payments, please allow 7-10 days for us to receive and process the payment.  

    Keep your confirmation number for your records.
     

  • 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 WebBank/Fingerhut Advantage Credit Account; 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.

  • About Fingerhut Credit

  • How do I update my account information? 

    Sign in to your account and go to My Account at the top of the page.  Next, on the left hand side under My Profile you can change your information such as:


    Communication Preferences
    Email Address
    Password
    Security Question
    And more!
     

     

  • Customer Service Phone Numbers

    Customer Service

    Online: Contact Us

    Telephone: 1-800-208-2500, Monday - Friday, 8:00am - 8:00pm, Central Time

    Mail: Fingerhut Customer Service, 6250 Ridgewood Rd, St. Cloud, MN 56303

     

    To Place an Order

    For English: 1-800-603-7052, 24 hours a day, 7 days a week

    En espanol: 1-800-556-3208 - De lunes a viernes, de 8:00am -- 8:00pm, hora central

     

    Product Support

    See list of Manufacturers' Contact Information   

  • How do I make the monthly payments?

     

    To make a payment you can use the following options:

    Online: Sign in or register by clicking the Hello. Sign In link at the top of the page. Click the Make a Payment button on the Account Overview page.

    Bank Bill Pay: You can make your payments electronically from your checking or savings account if you are already using a bill pay service. You will find your 16 digit account number and our payment address on your statement.

    Automated Phone System: Call 1-800-208-2500 to make a payment through our automated system any time day or night.

    Walk In: You can pay your bill using CheckFree.  Use the Payment Center Locator to find a location near you. CheckFreePay will send the payment to Fingerhut directly.

    Mail: Send a check or money order to:

    Fingerhut
    PO Box 166
    Newark, NJ 07101-0166

    Payments are posted to your account within 48 hours of submitting. The payment will reflect the date it was submitted and not the date it was posted. If your payment is submitted on or before the due date indicated on your statement, no negative activity will be associated with your account, such as a late fee.

    Important Information: FreshStart® payments must be made with a debit card or checking/savings account.  We do not accept Credit Card payments with this type of installment loan.

  • What happens if I pay my bill late?

    Paying your monthly bills on time and in full guarantees your reward of a revolving WebBank/Fingerhut Advantage Credit Account. 

    A single late payment will prevent you from graduating to your new account.

    A late fee will be charged 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 a payment you can use the following options:

    Online: Sign in or register by clicking the Hello. Sign In link at the top of the page. Click the Make a Payment button on the Account Overview page.

    Bank Bill Pay: You can make your payments electronically from your checking or savings account if you are already using a bill pay service. You will find your 16 digit account number and our payment address on your statement.

    Automated Phone System: Call 1-800-208-2500 to make a payment through our automated system any time day or night.

    Walk In: You can pay your bill using CheckFree.  Use the Payment Center Locator to find a location near you. CheckFreePay will send the payment to Fingerhut directly.

    Mail: Send a check or money order to:

    Fingerhut
    PO Box 166
    Newark, NJ 07101-0166

    Payments are posted to your account within 48 hours of submitting. The payment will reflect the date it was submitted and not the date it was posted. If your payment is submitted on or before the due date indicated on your statement, no negative activity will be associated with your account, such as a late fee.

    Important Information: FreshStart® payments must be made with a debit card or checking/savings account.  We do not accept Credit Card payments with this type of installment loan.
     

  •  Can I pay my account off early without penalty? 

    Yes you can! There is no charge or penalty to pay off your balance early. Once you've received your order, pay it off any time. 

  • What will my monthly Fingerhut FreshStart® Account payment amount be?

     

    Your monthly payment will be based on your order amount plus shipping and handling, taxes, and finance charges.

    The total order amount minus the $30.00 down payment will be split equally over the remaining monthly payments.  This will be reflected on your monthly statements.

    When you place your first order and make your down payment 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 by creating an account and going to the My Account Overview section and selecting Statements.  

  • How do I make my down payment?

    Fingerhut FreshStart®

    You can make your down payment online or by calling 1-800-208-2500 8AM - 8PM (CT), Monday - Friday.

    The down payment can be made with the following methods of payment:

    Debit Cards – using your debit card will ensure your order is shipped to you quickly!
    Electronic (ACH) Check – there is a 7–10 day hold time when this method of payment is used, meaning your order could be delayed
    Money Orders – in addition to the time it takes for you to mail it to us, there’s also a 7–10 day clearing time once we receive it, meaning your order could be delayed
    Paper Check – in addition to the time it takes for you to mail it to us, there’s also a 7–10 day clearing time once we receive it, meaning your order could be delayed
    CheckFree – there is a 7–10 day hold time when this method of payment is used, meaning your order could be delayed
    MoneyGram Payments – there is a 7–10 day hold time when this method of payment is used, meaning your order could be delayed

    Credit Cards and saving accounts are not accepted for payments with the FreshStart® Program.

    You can also mail a check or money order for your down payment. Use the address below that corresponds with your credit account type. Please note that this option takes longer, since we have to allow for the time it takes to be mailed to us, and for us to process it.

    Fingerhut FreshStart®
    P.O. Box 270
    St. Cloud, MN 56396

    Advantage Down Payment
    P.O. Box 270
    St. Cloud, MN 56396

    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 or in My Account on Fingerhut.com.

    Your in-stock order will ship when our hold time has passed. If your order is not in stock, you will be notified.

    We will hold your order for the number of days listed above and then your order will be released for shipment. Note that these timeframes are not flexible.
    Please allow up to 10 days from the end of the hold time for your order to be shipped and received by you.

  • How do I apply for a WebBank/Fingerhut Advantage Credit Account?

     

    To apply online, click here!  If you are not signed in, you will be prompted to sign in as a new or existing customer.

    If you are a new customer, and have a Customer Number that you received through email or mail, be sure to include that information before applying.  If you do not have a Customer Number, just click "No, but I still wish to apply."

    Next, fill out the application and within minutes you will find out if you have been approved. 
     

  • What is the Fingerhut FreshStart® Credit Account issued by WebBank?  

    The Fingerhut FreshStart® credit account issued by WebBank is an installment program that can help customers build buying power with us. 

    Once approved, you would make a one-time purchase that is a minimum of $50.00 (includes shipping and handling and taxes).

    Next, a $30.00 down payment is required for your order to ship and to continue with the program.  This amount will be subtracted from your order total. 

    The down payment can be made with the following methods of payment:


    Debit Cards – using your debit card will ensure your order is shipped to you quickly!
    Electronic (ACH) Check – there is a 7–10 day hold time when this method of payment is used, meaning your order could be delayed
    Money Orders – in addition to the time it takes for you to mail it to us, there’s also a 7–10 day clearing time once we receive it, meaning your order could be delayed
    Paper Check – in addition to the time it takes for you to mail it to us, there’s also a 7–10 day clearing time once we receive it, meaning your order could be delayed
    CheckFree – there is a 7–10 day hold time when this method of payment is used, meaning your order could be delayed
    MoneyGram Payments – there is a 7–10 day hold time when this method of payment is used, meaning your order could be delayed

    Credit Cards and saving accounts are not accepted for payments with the FreshStart Program.

    Finally, pay off the balance through monthly on–time payments.  Once the full amount is received, you will be rewarded with a WebBank/Fingerhut Advantage Credit Account that will have a higher credit limit!


    Important Information:

    If you are over your credit limit you can use a debit card to pay the difference and the down payment must be made at the time of purchase.

    If the down payment is not made within the 25 days from the date the order is placed the order will be cancelled.

    Video: Learn More About Fingerhut Credit

    About Fingerhut Credit

    Download video: MP4 format | WebM format



  • Why would I want to use the Fingerhut FreshStart® Credit Account issued by WebBank?

     

    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 names and high quality products at affordable low monthly payments.

    Paying your low monthly payments in full and on time may reward you with a revolving WebBank/Fingerhut Advantage Credit Account with a higher credit limit and no down payments.

    Video: Learn More About Fingerhut Credit

    About Fingerhut Credit

    Download video: MP4 format | WebM format

  • What can I buy using the Fingerhut FreshStart® Credit Account issued by WebBank? 

    You may shop from the Fingerhut FreshStart® catalog or online at www.fingerhut.com.

  • C

    What is a Credit Score?

      

    A credit score is a rating that results from looking at several pieces of information about your credit.  A credit score is used by a lender to help decide whether or not you should be approved for a credit card, loan, or service. 

    A credit score helps lenders decide the risk involved in extending a line of credit.  Usually, the lower the score, the higher the risk.

    You can request a free copy of your credit report each year from each of the three credit bureaus.

    Go to www.annualcreditreport.com/or call 1-877-322-8228.

    You may also contact the nationwide consumer credit reporting bureaus:

    Equifax - www.equifax.com/or  1-800-685-1111 

    Experian - www.experian.com or  1-888-397-3742 

    TransUnion - www.transunion.com or  1-800-888-4213 

  • 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.

    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.

  • Product Information

  • View all Product Recalls 

    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 8AM - 8PM (CT), Monday - Friday.

    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:

    Fisher-Price Recalls Infant Motion Seats Due to Fire Hazard

    Britax Strollers

    Remington Chainsaws

    Cuisinart Food Processors

    J.D. North America Power Portable Generators

    Graco Recalls 11 Models of Strollers

    Evenflo Recalls Car Seat Harness Buckles

    Graco Recalls Car Seat Harness Buckles

    Cuisinart Recalls Food Processors Due to Laceration Hazard

    Gree Recalls 12 Brands of Dehumidifiers Due to Serious Fire and Burn Hazards

    Char-Broil Recalls Patio Bistro Gas Grills Due to Burn Hazard

    Optimus Recalls Portable Electric Heaters Due to Fire Hazard

    Haier America Expands Recall of Chest Freezers Due to Fire Hazard

    Stork Craft Crib Recall

    Recall Simplicity Bassinet

    Remington Electric Leaf Blowers Recalled by MTD Due to Laceration Hazard

    Hewlett-Packard Recalls Notebook Computer AC Power Cords Due to Fire and Burn Hazards

    All Power America Snow Thrower

    Keurig Recalls MINI Plus Brewing Systems Due to Burn Hazard

    Shark Vacuum Cleaners Recalled by Euro-Pro

    Apple Recalls Beats Pill XL Portable Wireless Speakers

    NVIDIA Recalls Tablet Computers

    South Shore Expands Recall of Chest of Drawers Due to Serious Tip-Over and Entrapment Hazards

    Dan Post Boots

  • I want to cancel SafeLine®. 

    SafeLine® Account Protection Plus is an optional benefit on your account and you may cancel at any time. You can cancel your coverage in two ways: first, by calling SafeLine Services at 1-855-582-2128 or, second, by writing to SafeLine Services, P.O. Box 740237, Atlanta GA 30374-0237. A customer service representative will be able to cancel your coverage, and if no benefits were paid, would be able to credit your account the current month's SafeLine fees.  

  • I purchased an extended warranty or Service Plan. How do I file a claim?

    Please contact Asurion Service Plans at 1-866-813-2931 or at asurion.com/fingerhut as they are the company that is providing the Service Plan. They are open 24 hours a day, 7 days a week. An agent there can work with you to initiate your claim.

  • Can I get an Extended Warranty for my product?

    On many products, yes! You can protect your purchase and add to your peace of mind with an extended Service Plan. You can add a Service Plan during your product purchase, or within 30 days of your purchase.

    The Service Plan begins after the manufacturer warranty expires. If your product fails for any covered reason, it will cover parts and labor or will replace your product at no extra cost.

    Our Service Plan includes:


    Full Coverage for Parts and Labor.
    Extends any Manufacturer's Warranty.
    No deductibles. No hidden charges.
    A great value with retail prices as low as $6.99.

    To purchase a Service Plan after your initial purchase, simply call Customer Service at 1-800-208-2500 8AM - 8PM (CT), Monday - Friday.

    Service Plans are not available in Virgin Islands, Guam, American Samoa, Federated States of Micronesia, Marshall Islands, Northern Mariana Islands or Palau.
     

  • How does SafeLine® "cover my current month's minimum payment" on my account?

     

    The term "cover your current month's minimum payment" applies when your benefits are activated by a qualifying event and approved, like involuntary unemployment or having a disabling accident. This means that WebBank will credit the current month's minimum monthly payment of principal and interest due (referred to in the SafeLine Terms & Conditions as "Monthly Benefit Payment"), which does not include any past due or delinquent payments, on your credit account during the benefit activation period. You will not be required to make a payment on your credit account while your benefits are active. In addition, late, over limit, and SafeLine Account Protection Plus fees will not be assessed during a billing period in which benefits are active. Your account will be suspended, which means you will be unable to use your credit account while benefits are activated. Interest will continue to accrue on your outstanding balance, and during those billing periods no reports reflecting a deteriorating credit status with us will be sent to any credit reporting agency.  

  • 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.

  • When or how do I activate my SafeLine® benefits? 

    The best place for an overview of SafeLine Plus benefits is the SafeLine Account Protection Plus Plan Contract which would have been mailed or emailed to you when you enrolled in the program.  You can also obtain a copy of the SafeLine Account Protection Plus Plan Contract by clicking here.  You can initiate a benefit by calling SafeLine Services at 1-855-582-2128 or by going to the My Account section of our site and clicking on SafeLine on the left hand side.  That will take you to a service site for SafeLine and you can choose to the ?submit a benefit? option.  A completed Benefit Activation Application, along with any required documentation, can be returned to us for review by email at SafeLineService@fingerhut.com, by fax at 1-888-633-0674, or by regular mail at SafeLine Services, P.O. Box 740237, Atlanta, GA 30374-0237.  Upon receipt, SafeLine Services will review the benefit request and follow up with you regarding your benefit status.

  • When will coverage start once I have enrolled in SafeLine®? 

    When you enroll, you will receive a SafeLine Account Protection Plus Plan Contract 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 at least one month prior to requesting the benefit activation due to hospitalization, unpaid leave of absence, major life event, or disability and at least three months prior to requesting the benefit activation due to unemployment or death (except in the event of accidental death which is covered during the first 90 days).  Please refer to the SafeLine Account Protection Plus Plan Contract regarding eligibility requirements, conditions, and coverage exclusions.  

  • How do I initiate a SafeLine® claim/benefit?

    The best place for an overview of SafeLine Plus benefits is the SafeLine Account Protection Plus Plan Contract which would have been mailed or emailed to you when you enrolled in the program.  You can also obtain a copy of the SafeLine Account Protection Plus Plan Contract by clicking here.  You can initiate a benefit by calling SafeLine Services at 1-855-582-2128 or by going to the My Account section of our site and clicking on SafeLine on the left hand side.  That will take you to a service site for SafeLine and you can choose the ?submit a benefit? option.  A completed Benefit Activation Application, along with any required documentation, can be returned to us for review by email at SafeLineService@fingerhut.com, by fax at 1-888-633-0674, or by regular mail at SafeLine Services, P.O. Box 740237, Atlanta, GA 30374-0237.  Upon receipt SafeLine Services will review the benefit request and follow up with you regarding your benefit status.

  • 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 WebBank. This program provides protection in the case of hospitalization, major life events, unpaid leave of absence, involuntary job loss, disability, or even death. Refer to the SafeLine Account Protection Plus Plan Contract for complete details, including eligibility requirements and coverage benefits or limitations. You may have elected to enroll in this program when you applied for your Fingerhut credit account issued by WebBank or through communications via the My Account page, your statements, or while you were ordering. You may cancel at any time.  

  • What is SafeLine® Account Protection Plus?

     

    SafeLine Account Protection Plus is an optional program offered by WebBank.  SafeLine can help reduce stress and worry should the unexpected happen like getting laid off, becoming disabled or hospitalized, or experiencing a major life event.  When a covered event happens, SafeLine may make your current month's minimum payment so you don't have to worry about it for three (3) to twelve (12) months depending on the benefit coverage. The program may also waive your entire balance, up to your credit limit, in the event of your death, bankruptcy, foreclosure or for extended disability, unemployment, or hospitalization. SafeLine costs just one dollar and nineteen cents ($1.19) per month for every hundred dollars ($100) outstanding on your credit account statement at the end of each monthly billing cycle.  If you don't have a balance outstanding on your statement, you don't have to pay anything and your coverage remains in effect. 

  • What is this charge I don't remember authorizing? 

    Fingerhut credit account holders are able to take advantage of this optional SafeLine® Account Protection Plus Plan from WebBank. This program provides protection in the case of hospitalization, major life events, unpaid leave of absence, involuntary job loss, disability, or even death. Refer to the SafeLine Account Protection Plus Plan Contract for complete details, including eligibility requirements and coverage benefits or limitations. You may have elected to enroll in this program when you applied for your Fingerhut credit account issued by WebBank or through communications via the My Account page, your statements, or while you were ordering. You may cancel at any time.  

  • How can I enroll in SafeLine®? 

    It's easy. You can simply 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.

    You may enroll in this coverage at any time when you are a WebBank/Fingerhut credit account customer in good standing. However, SafeLine is not currently available to customers in: AK, AS, FM, GU, MH, MP, PW or VI. Your choice whether to enroll or not will not affect any existing credit agreement with WebBank. Additional information may be required before a benefit is paid. Please refer to the SafeLine Account Protection Plus Plan Contract regarding eligibility requirements, conditions, and coverage exclusions.

  • Am I eligible for SafeLine® if I am retired or self-employed? 

    If you are unemployed, self-employed or retired at this time, you would not be eligible for the Unemployment or Leave of Absence Benefits. However, if you chose to enroll, you could be eligible for other covered events under SafeLine® Account Protection Plus, such as, for disability preventing you from performing a daily acts of living as certified by your doctor, hospitalization, a change in your primary residence, and other major life events. In the event of death, bankruptcy, and foreclosure, your balance could be paid in full up to your available credit limit. Refer to the SafeLine Account Protection Plus Plan Contract for complete details, including eligibility requirements and coverage benefits. Note that SafeLine Account Protection Plus costs the same to you regardless of whether you are eligible for only some of the benefits. Review the Terms and Conditions carefully to determine whether you are eligible for coverage before purchasing SafeLine Account Protection Plus. Note that you may cancel your enrollment at any time. 

  • How do I get SafeLine® charges removed?

     

    SafeLine® Account Protection Plus is an optional benefit on your account and you may cancel at any time. You can cancel your coverage in two ways: first, by calling SafeLine Services at 1-855-582-2128 or, second, by writing to SafeLine Services, P.O. Box 740237, Atlanta GA 30374-0237. A customer service representative will be able to cancel your coverage, and if no benefits were paid, would be able to credit your account the current month's SafeLine fees.
    If you have contacted SafeLine Services and have been advised a credit will be issued to your account, please allow up to two billing cycles from the date of contact for the credit to appear on your statement. If two billing cycles have passed, please contact us by email at SafeLineservice@fingerhut.com or call us at 1-855-582-2128  for further assistance.
     

  • What is the cost of having SafeLine®? 

    SafeLine costs just one dollar and nineteen cents ($1.19) per month for every hundred dollars ($100) outstanding on your credit account statement at the end of each monthly billing cycle.  If you don't have a balance outstanding on your statement, you don't have to pay anything and your coverage remains in effect.

  • Who can enroll in SafeLine®? 

    You may enroll in this coverage at any time when you are a WebBank/Fingerhut credit account customer in good standing. However, SafeLine is not currently available to customers in: AK, AS, FM, GU, MH, MP, PW or VI. Your choice whether to enroll or not will not affect any existing credit agreement with WebBank. Additional information may be required before a benefit is paid. Please refer to the SafeLine Account Protection Plus Plan Contract regarding eligibility requirements, conditions, and coverage exclusions.

  • Security & Privacy

  • What should I do if I become a victim of identity theft? 

    Close all unauthorized accounts that you are aware of. Contact those companies that have established unauthorized accounts using your personal information and advise them that you are a victim of identity theft. Request that the accounts be closed immediately. Ask the company for any assistance they can provide in handling the fraudulent account. There may be information you need to provide to these companies to ensure the accounts are closed.

    Place a fraud alert on your credit report and review your credit reports annually. Fraud alerts can help prevent an identity thief from opening additional accounts in your name. Contact any of the toll-free number below to initiate a fraud alert. The company you call is required to provide your information to the other credit bureaus. An alert will be placed on your credit bureau for you at each of the other bureaus.

    Equifax:  1-800-525-6285; www.equifax.com; P.O. Box 740241, Atlanta, GA 30374- 0241

    Experian:  1-888-EXPERIAN  (397-3742); www.experian.com; P.O. Box 9532, Allen, TX 75013

    TransUnion:  1-800-680-7289; www.transunion.com; Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834-6790

    If your driver's license/other government issued identification is stolen:

    Contact the agency that issued the license or other form of identification. Follow their procedure to cancel the document and request a replacement. Ask the agency to flag your file so that no one else can request a license or any other form of identification in your name.

    File a police report for identity theft in your community or in the community where the identity theft took place. The police report can also be provided to the credit bureaus if a credit freeze is required to address the identity theft.

    File a complaint with the Federal Trade Commission. This information can be helpful to law enforcement officials across the nation in tracking down identity thieves. The FTC can refer victims' complaints to other government agencies and companies for further action, as well as investigate companies for violations of laws the FTC enforces. A complaint can be filed online at www.ftc.gov/idtheft. If you don't have internet access, call the FTC's Identity Theft Hotline toll-free at  1-877-IDTHEFT  (438-4338); TTY: 1-866-653- 4261; or write to: Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue NW, Washington, DC 20580.

  • What if I don't want emails, mail or calls from Fingerhut? 

    You can change your communication preferences by signing in to your account and going to My Profile on the left side. Click on Communication Preferences. 

    From here you can control the following:


    Promotional Emails
    Partner Notifications
    Mail Preferences
    Language Preference

  • How can I protect my private information?

     


    Check your credit card and bank statements for inaccuracies.
    Check your credit report at least once a year. Look for what should and should not be there.
    Do not provide personal information to another individual or business unless they have a valid reason for requiring the information.
    Never write your credit card number or social security number on checks or the outside of an envelope.
    Do not give out account numbers over the phone to persons/companies you are not familiar with.
    Do not use a telephone, cordless or cellular, or an email to send financial or private personal information.
    Keep your financial documents in a safe/secure place.
    Do not pre-print your driver's license number on your checks. If you do, shred cancelled checks before you throw them away.
    Shred pre-approved credit applications, statements, or bills that contain personal information.
    Have your name and address removed from 'pre-screened lists'.
    Mail bills from the post office or your business, rather than your home mailbox.
    Consider having your name, telephone number, and/or address removed from the phone directory.
    Do not provide personal information over the phone unless you initiated the call and know who you are speaking with.
    If telemarketing companies call, advise them that you want to be added to their Do Not Call List. This is your right under the Federal Telephone Consumer Protection Act.
    Keep your birth certificate and social security card in a safe place. Do not carry these items in your wallet or purse.
    Choose passwords that will be difficult to crack and use different passwords for all accounts.
    Change passwords and PIN codes often.
    Use different PIN numbers for all of your cards/accounts.
    Do not store your PIN numbers on mobile phones or laptops.
    Do not put your Social Security number on any document unless you are legally required to do so.
    Shred any papers with financial information and identifiers instead of throwing them in the trash.

  •  How do you protect my information? 

    We use the latest tools and technology to protect your personal information. To help with Internet security, it is highly recommended that you are very careful when sharing information such as full credit card numbers, social security numbers, driver's license, or any other important data.

    Note: If you are on our website using a public computer or share a computer with other people in your home, please make sure you sign out each time to prevent someone else from accessing your account.

  • How does Fingerhut protect my privacy?

     

    Your privacy is important to us.  We follow the rules set by the Direct Marketing Association's Privacy Promise to American Consumers.  We will not share your information to other marketers/companies if you ask us not to.

    Full disclosure of our Privacy Policy is available by clicking here.

  • What is ID theft?

     

    Identity theft occurs when a person uses someone else's identification in order to impersonate that person.

  • Where can I find out more about Identity Theft? 

    You can visit the Federal Trade Commission Identity Theft Center by clicking here.  

  • Catalogs

  • Where is my customer number on the catalog? 

    Your customer number is highlighted in yellow on the back cover of the catalog and can also be found on the Order Blank in the middle of the catalog.

  • How do I get a Fingerhut catalog?

     

    Get your own Fingerhut printed catalog delivered right to your home! Click Here and complete the form to receive our catalog.  Please allow 2-3 weeks for delivery.  

  • How do I find my catalog number?

     

    Your catalog number is highlighted in blue on the back cover of the catalog and can also be found on the Order Blank in the middle of the catalog. 

  • Can I order online with my catalog?

     

    Yes! You can always order from any Fingerhut catalog. Type in your catalog number, found on the back of your catalog, and the Item # into the Catalog Search drop-down box on the top of any page.

    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 request a catalog? 

    Get your own Fingerhut printed catalog delivered right to your home! Click Here and complete the form to receive our catalog.  Please allow 2-3 weeks for delivery.

  • 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 a 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.  

  • How can I continue to receive 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 look at an online catalog?

    We do not currently offer an online catalog, but do offer products from our catalogs online at fingerhut.com, where you can find even more fantastic products!

  • Military Lending Act

  • Whether you will receive MLA protection for your WebBank/Fingerhut Advantage Credit Account upon graduating from a WebBank/Fingerhut FreshStart® Credit Account will depend on when you graduate and your status as a covered borrower at that time. 

    If you graduate from a closed-end WebBank/Fingerhut FreshStart® Credit Account before October 3, 2017, the MLA protections will not apply to your new open-end WebBank/Fingerhut Advantage Credit Account. 

    If you graduate from a closed-end WebBank/Fingerhut FreshStart® Credit Account after October 3, 2017 and you are a covered borrower at that time, the MLA protections will apply to your new open-end WebBank/Fingerhut Advantage Credit Account. 

    If you graduate from a closed-end WebBank/Fingerhut FreshStart® Credit Account after October 3, 2017 and you are not a covered borrower at that time, the MLA protections will not apply to your new open-end WebBank/Fingerhut Advantage Credit Account.

  • If you are a covered borrower, your protection includes:

    A 36% interest cap.  Your total monthly interest cannot be more than the 36% Military Annual Percentage Rate (MAPR), which is calculated by including all of the following costs:


    interest
    fees
    credit service charges
    credit renewal charges
    credit insurance premiums
    other fees for credit-related products sold in connection with the loan

    Written and oral disclosure. We must share the interest rates and other fees you owe, both orally and in writing, before your loan is issued.

    No mandatory waivers of consumer protection laws. We cannot require you to waive any state or federal law that protects you from being sued while on active duty.

    No mandatory arbitration. We cannot require you to arbitrate disputes about your account.

    No mandatory allotments. We cannot require you to make automatic paycheck deductions to repay your balance. 

    No prepayment penalty. We cannot charge a penalty if you pay your balance early.

  • For closed-end accounts, like your WebBank/Fingerhut FreshStart® Credit Account, the MLA protections become effective on October 3, 2016.

    For open-end accounts, like your WebBank/Fingerhut Advantage Credit Account, the MLA protections become effective on October 3, 2017.

  • The Military Lending Act (MLA) provides credit account protections for service members placed on active duty and certain members of their family.  The active duty service members and their families who are eligible for MLA protection are referred to as "covered borrowers."

  • For closed-end accounts, like your WebBank/Fingerhut FreshStart® Credit Account, whether you are a covered borrower is determined at the time you make a purchase. 

    For open-end accounts, like your WebBank/Fingerhut Advantage Credit Account, whether you are a covered borrowed is determined at the time you open your account.

  • For closed-end credit accounts, like your WebBank/Fingerhut FreshStart® Credit Account, you are a covered borrower if you are an active duty service member, their spouse, child, or other dependent at the time of purchase.  This is effective October 3, 2016.

    For open-end accounts, like your WebBank/Fingerhut Advantage Credit Account, you are a covered borrower if you are an active duty service member, their spouse, child, or other dependent at the time you open your account.  This is effective October 3, 2017.

  • To learn more about the MLA and how it may apply to your specific circumstances, you may contact your local Judge Advocate General's (JAG) office.

  • Yes. You must qualify as a covered borrower to get MLA account protection.

  • The MLA protections remain in place as long as you continue to be a covered borrower.

  • Fico Scores

  • Scores are updated monthly.

  • No. The FICO® Score we provide to you will not impact your credit.

  • Because your FICO® Score is based on the information in your credit report, it is important to make sure that the credit report information is accurate. You may get a free copy of your credit report annually. To request a copy of your credit report, please visit: http://www.annualcreditreport.com. Note: Your free credit report will not include your FICO® Score.

  • Reviewing your FICO® Scores can help you learn how lenders view your credit risk and allow you to better understand your financial health.

  • There are many reasons why a score may change. FICO® Scores are calculated each time they are requested, taking into consideration the information that is in your credit file from a particular consumer reporting agency (CRA) at that time. So, as the information in your credit file at that CRA changes, FICO® Scores can also change. Review your key score factors, which explain what factors from your credit report most affected a score. Comparing key score factors from the two different time periods can help identify causes for a change in a FICO® Score. Keep in mind that certain events such as late payments or bankruptcy can lower FICO® Scores quickly.

  • FICO® Scores are numbers that summarize your credit risk. Scores are based on a snapshot of your credit file at particular consumer reporting agencies at a particular point in time, and help lenders evaluate your credit risk. FICO® Scores influence the credit that?s available to you and the terms, such as interest rate, that lenders offer you.

  • FICO® Scores are calculated from many different pieces of credit data in your credit report. This data is grouped into five categories as outlined below. The percentages in the chart reflect how important each of the categories is in determining how FICO® Scores are calculated:


    35% Payment history
    30% Outstanding debt
    15% Credit history length
    10% Pursuit of new credit
    10% Credit mix

  • A FICO® Score is based on the credit information in a credit file with a particular consumer reporting agency (CRA) at the time the score is calculated. The information in your credit files is supplied by lenders, collection agencies and court records. The FICO® Score that we provide to you is based on data from your report as of the 'pulled on date' shown with your score.