SafeLine® FAQ
What is SafeLine Account Protection?
SafeLine Account Protection Plus is an optional benefit available with your WebBank/Fingerhut credit account. This program provides protection in the case of major life events, unpaid leave of absence, hospitalization, involuntary job loss, disability, or even death. SafeLine Plus will cover your current month's minimum payment on your account for up to twelve months if you're 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 (subject to certain eligibility and coverage limitations). You may even be eligible to have your balance canceled for extended disability, unemployment or hospitalization. If eligible, in the event of your death, bankruptcy, or foreclosure, 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 statement, and you may cancel the coverage at any time.Refer to the SafeLine Account Protection Plus Plan Contract for full details, including eligibility requirements and coverage limitations.
Am I eligible 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.
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.
I want to cancel this?
SafeLine Account Protection Plus 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 1-855-582-2128 or by writing to Customer Service, SafeLine Account Protection Plus Plan, 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.
How do I get the charges removed?
SafeLine Account Protection Plus 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 1-855-582-2128 or by writing to Customer Service, SafeLine Account Protection Plus Plan, 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 Fingerhut customer service 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 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 ($1.89) for every hundred dollars ($100) of your Fingerhut statement balance. If you do not have a balance on your statement, your SafeLine Plus coverage remains active and you pay nothing.
How can I enroll/sign up for SafeLine Account Protection Plus?
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: FM, MH, PW or UM. Your choice whether to enroll or not will not affect any existing credit agreement with WebBank. Additional information may be required before a claim is paid. Please refer to the SafeLine Account Protection Plus Plan Contract regarding eligibility requirements, conditions, and coverage exclusions.
Who can enroll in SafeLine Account Protection Plus?
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: FM, MH, PW or UM. Your choice whether to enroll or not will not affect any existing credit agreement with WebBank. Additional information may be required before a claim is paid. Please refer to the SafeLine Account Protection Plus Plan Contract regarding eligibility requirements, conditions, and coverage exclusions.
When will coverage start once I have enrolled in SafeLine Account Protection?
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.
When or how do I activate my SafeLine Account Protection 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 or by calling a Customer Service Representative at 1-855-582-2128. You can initiate a benefit claim by calling customer service 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 e-mail at safelineservice@fingerhut.com, by fax at 1-888-633-0674, or by regular mail at Customer Service, SafeLine Account Protection Plus Plan, P.O. Box 740237, Atlanta GA 30374-0237. Upon receipt a customer service representative will review the claim and follow up with you regarding your benefit status.
How does SafeLine Account Protection "cover my current month's minimum payment"?
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.
How do I initiate a SafeLine Account Protection claim?
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 or by calling a Customer Service Representative at 1-855-582-2128. You can initiate a benefit claim by calling customer service 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 e-mail at SafeLineservice@fingerhut.com, by fax at 1-888-633-0674, or by regular mail at Customer Service, SafeLine Account Protection Plus Plan, P.O. Box 740237, Atlanta GA 30374-0237. Upon receipt a customer service representative will review the claim 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.