Important Credit Account Changes – New Fetti Account

Effective August 1, 2024, we will charge a $1.99 Paper Statement Fee each time you receive a paper statement for your WebBank/Fingerhut Fetti account. Note, the Paper Statement Fee will not apply to account holders residing in states where such a fee is prohibited. In addition to your monthly statement, the Paper Statement Fee also applies to requests to reprint your statement(s). You will be billed $1.99 per paper statement you were sent the previous month unless the ending balance on your account was $5.00 or less. You can avoid the fee by consenting to receive electronic disclosures, which includes billing statements, on or before your payment due date. To avoid the fee, change your consent to receive electronic disclosures by logging into My Account on fingerhut.com. If you require an accommodation or further assistance related to this change you may call us at 1-800-964-1975 or email us at customerservice@fingerhut.com.

Fingerhut Fetti is the name of our revolving credit account that customers use after April 12, 2022, to make their purchases while utilizing Fingerhut credit. Our previous credit account, Fingerhut Advantage, has been closed for purchasing and the Fingerhut Fetti credit account was created to replace it. Because our agreement with our financing partner for the Fingerhut Advantage credit account has ended, we wanted to continue to offer you the same benefits as you had with your Fingerhut Advantage credit account. This is how Fetti started!

If you have a Fingerhut Advantage credit account and a Fingerhut Fetti credit account, you will need to make two separate payments until each balance is paid in full.

Customers who were in good standing with their Fingerhut Advantage credit account automatically received a new Fingerhut Fetti credit account. There was no application or additional hard inquiry to open this account.

Yes. If you made a purchase after April 12, 2022, this means you activated your Fingerhut Fetti credit account and need to make payments on this account. If you also carry a balance on your Fingerhut Advantage credit account, you will have two separate payments due. Your payment due date was kept the same for your Fetti credit account as it was on your Advantage credit account to make it simpler to manage.

To make your payment(s), just sign into your MyAccount at www.fingerhut.com. Simply click on either account, and follow the prompts to make your payment. For a step- by-step tutorial video on how to make your payments, click here https://youtu.be/IMAl7QVEffE.

If you set up recurring payments on your Fingerhut Advantage credit account, they will remain in place unless you make changes. If you would like to have the same convenience on your Fingerhut Fetti credit account you will need to set that up. You may do this by signing into your account at www.fingerhut.com. Visit My Account, select Fingerhut Fetti and choose Make a Payment. Click the Recurring Payment button to set up your automatic payment.

A welcome kit was mailed to you and included your new Fingerhut Fetti credit account details, along with a new 16-digit account number. However, your 10-digit customer number did not change.

For payments, it’s very important that you use the correct 16-digit account number for the Fetti or Advantage payment. Your Fingerhut Fetti and Fingerhut Advantage credit account numbers can both be found in your mailed welcome kit or on your paper statements. If you cannot locate either of these, feel free to call Customer Service at 1-800-964-1975.

When making payments using your bank’s bill pay service, you will need to use the 16-digit account number so we can appropriately apply the payment to the account.

Your Fingerhut Fetti credit account was created to replace the Fingerhut Advantage credit account and will be used for all purchases. Your previous Fingerhut Advantage credit account was closed for purchasing. If you have a balance on your Fingerhut Advantage credit account, you are still responsible for making your payments until the balance is paid in full.

The Fingerhut Advantage and Fetti credit accounts will continue to remain separate without the ability to combine into one account or transfer balances from one to the other.

Yes. If you have a balance on your Fingerhut Advantage credit account and Fingerhut Fetti credit account, you will receive two separate statements and need to make two separate payments.

You can still access your account details in My Account for both your Fingerhut Fetti and Fingerhut Advantage credit accounts at www.fingerhut.com. You can view statements and make payments by signing in using your username and password. Recurring payments you previously set up on your Fingerhut Advantage credit account will remain unchanged. If you would like to make recurring payments on your Fingerhut Fetti credit account, you will need to set them up separately.

If you signed up to receive paperless statements, you will continue to be e-mailed your statements until your balance is paid off. Always check your spam and junk inboxes if your main inbox doesn’t include your e-statement. Once your balance is paid in full, there is no further action you’ll need to take.

Yes, you will need to set up a new payee to make payments on your Fingerhut Fetti credit account using your Fetti 16-digit account number. If you receive paper statements your Fetti 16-digit account number can be found there. Or you can call Customer Service at 1-800-964-1975 for assistance. Please send Fingerhut Fetti payments to:

Fingerhut Fetti
PO Box 70792
Philadelphia, PA 19176-0792

To make payments on your Fingerhut Advantage credit account, make sure your Fingerhut Advantage 16-digit credit account number is included. If you receive paper statements your 16-digit Advantage account number can be found there. Or you can call Customer Service at 1-800-208-2500 for assistance. Please send Fingerhut Advantage payments to:

Fingerhut Advantage
PO Box 70281
Philadelphia PA 19176-0281

We are not able to accept payments via MoneyGram or CheckFree on your Fingerhut Fetti Credit account. You may still use MoneyGram to make your Fingerhut Advantage credit payment.

You will need to send one payment for each Fingerhut credit account. This means you’ll mail one payment for your Fingerhut Fetti credit account and a separate payment for your Fingerhut Advantage credit account. Each credit account has its own 16-digit account number and separate mailing address. Be sure to verify that you have the correct address on your envelope to correspond with the payment for the credit account you intend to pay. Always send your check or money order with the payment slip that comes with each statement.

Mailing Addresses:

Fingerhut Fetti:
Fingerhut
PO Box 70792
Philadelphia, PA 19176-0792

Fingerhut Advantage:
Fingerhut
PO Box 70281
Philadelphia PA 19176-0281

If you opted into the SafeLine account protection program on your Fingerhut Advantage credit account the good news is we were able to enroll you in SafeLine Account Protection on your Fingerhut Fetti credit account. If you were not previously enrolled in SafeLine Account Protection, you may add this protection to your Fingerhut Fetti credit account at any time by calling our Order Line at 1-800-233-3588, 7am-10pm CT, 7 days a week.

Yes, you will continue to be enrolled in SafeLine on your Fingerhut Advantage credit account for as long as you continue to make payments or until you cancel the service.

Your SafeLine benefit process will not be interrupted on your Fingerhut Advantage credit account. If you are in the process of applying for benefits, please continue to submit the requested information so a benefit decision can be reached.

If you have an active benefit, it will continue to be honored and cover your current month’s minimum payment due based on the status of your approval. You will continue to receive written or emailed updates regarding your benefit.

If you are in an active benefit, your Fingerhut Fetti credit account will be in an authorization hold status until that benefit has ended.

If you currently have protections under the Servicemembers Civil Relief Act on your Fingerhut Advantage credit account, those protections will carry over to your Fingerhut Fetti credit account. Thank you for your service.

Your Fingerhut Advantage credit account is not available for purchasing as of April 12, 2022.

You will need to continue to make payments on your Fingerhut Advantage credit account until the balance is paid in full.

Fingerhut Advantage customer service can be contacted at 1-800-208-2500.

Yes, your Fingerhut Fetti credit account will show up as a new tradeline on your credit bureau report.

As you know, there are many factors that go into your credit score. It’s very difficult for us to provide a definitive impact to your credit score, but illustratively it is possible:

• Opening a credit account typically boosts the account holders’ credit score. This is because you have two tradelines reporting to the bureaus.
• However, an unused credit line may be closed for inactivity, which may negatively impact your credit score.
• A history of on-time payments over time will have a positive impact on your credit score.
• It is very important to continue making payments on your Fingerhut Advantage credit account and Fingerhut Fetti credit account. If these accounts become delinquent it will negatively impact your credit score.

People sometimes think closing an account takes away from a person’s credit history and hurts their FICO® Score, but that’s not true. Your FICO® Score looks at the length of both open and closed accounts. Closed accounts will be a part of your credit history on your credit report for many years. Check out this FICO blog article for more information: https://www.fico.com/blogs/more-scoring-myths-closing-credit-cards.