Credit

We’re proud to award qualifying customers with two different types of credit line increases. A conditional credit line increase or an unconditional credit line increase offer. Both are very exciting!

Conditional credit line increase offers are available to customers for predetermined periods of time within the billing cycle. If you accept the offer by purchasing, we’ll report the credit line increase to the bureaus during the next reporting cycle. However, if you choose not to use this offer, we won’t report a credit change to the bureaus and the bureaus will not know this credit line increase was offered to you.

Here’s more information about how each type of credit line increase works.

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

Online: Contact Us

Telephone: 1-800-964-1975, 7 days a week, 7:00am-10:00pm (CT)

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

To Place an Order

For English: 1-800-233-3588, 7:00-10:00pm (CT), 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

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 in your welcome letter or by calling customer service 1-800-964-1975.

Automated Phone System: Call 1-800-964-1975 to make a payment through our automated system any time day or night.

Mail: Send a check or money order to:

For Fingerhut Fetti Credit Accounts:

Fingerhut Fetti
PO Box 70792
Philadelphia, PA 19176-0792

For Fingerhut Advantage Credit Accounts:

Fingerhut Advantage
PO Box 70281
Philadelphia, PA 19176-0281

For Fingerhut FreshStart Account Credit Accounts:

FreshStart
PO Box 70283
Philadelphia, PA 19176-0283

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.

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.

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.

Your down payment is an initial one-time payment.

Your WebBank/Fingerhut Fetti Credit Account requires a $30 initial one-time payment for your first order and will be subtracted from your order total once paid.

This amount is required for your order to ship.

Your down payment must be paid within 25 days of placing your order, otherwise your order could be cancelled.

You can make your one-time initial payment online as part of the checkout process or by calling 1-800-964-1975 7am-10pm (CT), 7 days a week.

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

• Debit cards – using your debit card when you place your order online will ensure your order is shipped to you quickly, but will take 2 days for your down payment to complete processing before your order is shipped.
• Electronic (ACH) check – there is a 7-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 2-day processing time frame.
• Paper check – in addition to the time it takes for you to mail it to us, there's also a 7-day clearing time once we receive it, meaning your order could be delayed.

Credit cards are not accepted for down payments.

If mailing a check or money order for your down payment, please use the address below. 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 Fetti Down Payment
PO 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 blue 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 time frames 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.

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.

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 but will take 2 days for your down payment to complete processing before your order is shipped.
Electronic (ACH) Check - there is a 7 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 2 day processing timeframe.
Paper Check - in addition to the time it takes for you to mail it to us, there's also a 7 day clearing time once we receive it, meaning your order could be delayed.
MoneyGram Payments - there is a 7 day hold time when this method of payment is used, meaning your order could be delayed

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

Finally, pay off the balance with monthly on-time payments. Once your balance has been paid in full, with no late payments, no return payments, & at least a $50 minimum order, you will be rewarded with a revolving WebBank/Fingerhut Credit Account that may have a higher credit limit!

Important Information:

If your order is over your credit limit you can use a debit card to pay the difference. 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.

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 Credit Account with a higher credit limit and no down payments.

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

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

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.

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 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 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 than 36 percent, you should think about making some changes for a better financial situation.