Thank you for learning more about your WebBank/Fingerhut Fetti credit line. Knowledge is power when it comes to credit.
You received some communication from us saying your restricted line was reduced. Here are some common questions to help explain this topic.
Why did my available credit go up?
The restricted line on your account has been reduced so you now have more available credit to shop.
Here’s an example illustration with sample dollar amounts for a credit limit of $1000.
Our mission is to help you build a better financial life. You do the hard work, but we are here to help. A restricted line is when a portion of your available credit is not currently available to make purchases. Your Fingerhut Fetti credit account may have a restricted line based on factors such as your balance, credit line and account history on your Fingerhut Advantage credit account.
The restricted line doesn’t change your credit line and provides you with the same available credit as you had on your Fingerhut Advantage credit account at the time of account transition. The restricted line will show up on your My Account page, with your Credit Line, Statement Balance and Available Credit.
The restricted line will be reduced, increasing your available credit, upon making at least one purchase and one payment on your new Fingerhut Fetti credit account. If you have a conditional credit line increase offer, please allow up to two weeks after the completion of your conditional credit line increase offer for the restricted line release to reflect in your available credit. We will make further reductions in your restricted line at our discretion.
The restricted line is not reported to the credit bureaus and does not factor into your credit score.
The restricted line will be reduced, increasing your available credit, upon making at least one purchase and one payment on your new Fingerhut Fetti credit account. We will make further reductions in your restricted line at our discretion.
No, the restricted line is not reported to the credit bureaus and does not factor into your credit score.
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What is a ‘restricted line’?
Our mission is to help you build a better financial life. You do the hard work, but we are here to help. A restricted line is when a portion of your available credit is not currently available to make purchases. Your Fingerhut Fetti credit account may have a restricted line based on factors such as your balance, credit line and account history on your Fingerhut Advantage credit account.
The restricted line doesn’t change your credit line and provides you with the same available credit as you had on your Fingerhut Advantage credit account at the time of account transition. The restricted line will show up on your My Account page, with your Credit Line, Statement Balance and Available Credit.
The restricted line will be reduced, increasing your available credit, upon making at least one purchase and one payment on your new Fingerhut Fetti credit account. If you have a conditional credit line increase offer, please allow up to two weeks after the completion of your conditional credit line increase offer for the restricted line release to reflect in your available credit. We will make further reductions in your restricted line at our discretion.
The restricted line is not reported to the credit bureaus and does not factor into your credit score.
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How is the decision made to reduce the restricted line?
The restricted line will be reduced, increasing your available credit, upon making at least one purchase and one payment on your new Fingerhut Fetti credit account. We will make further reductions in your restricted line at our discretion.
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Will this impact my credit score?
No, the restricted line is not reported to the credit bureaus and does not factor into your credit score.