Payments, Balance, Account Info

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.

We know that at times a due date may not work. We can change your due date one time in a 12-month period. Please contact us with your desired payment due date. We have the following payment due dates available:

• 1, 2, 3, 5, 7, 9, 11, 13, 15, 18, 20, 22, 24, 27

Please note, changing your due date does not impact statements that have already been generated and will go into effect during your next statement cycle. Please make your payments according to the due date specified on your statements.

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. To contact our Customer Service Department, click here.

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.

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 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. Checking/Savings, Credit and Debit cards are accepted.

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 made before 4:00 pm Central Time will be credited to your account the same day.

Payments made after 4:00 pm will be credited to your account the following day.

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.

Monthly minimum payments due for your WebBank/Fingerhut 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.

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.

If you are a FreshStart customer, 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. 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.

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

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

To see your current account information:

Sign in to your account and select Account Overview at the top of the page (or select the ‘Account’ icon on the mobile app). From this page, you can see:

• Available Credit
• Due Date
• Minimum Due
• Current Balance
• Last Statement Balance

To see your past statements:

Sign in to your account and select Account Overview at the top of the page. On the left side, click the Statements link. From here, you can see up to the last 12 statements. Statement Preferences:

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

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

*On the Mobile App, select the Account icon, My Profile, and then Statements

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 Inon the top of any page. All you need is your Fingerhut customer number from the back of your catalog, an email addressand password. If you need help, please call Customer Service at 1-800-964-1975 7:00am-10:00pm (CT), 7 days a week.

It typically takes 10 days from the time you mail your return 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 by visiting the Returns Center in the My Orders section of Fingerhut.com. Your balance and available credit will be updated within 1-2 business days after the return credit is issued. You'll be able to see the credit on your next statement.

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

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
• 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.

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.

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

If you have a question about a charge or your statement, please contact us. Our friendly customer service team is happy to review your account.

Please note: To protect your personal information, some account-specific information cannot be emailed. To see customer service hours, click here.

Fingerhut works with other companies to offer products or services to you.

If you order a product or service from these companies, they are billed to your WebBank/Fingerhut Fetti 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, the company name, and phone number on your Fingerhut billing statement. Please call the partner company if you have any questions about their programs.

We make every effort to price our credit products competitively and fairly in the marketplace.

If you pay your balance in full each month, you will not be assessed any interest charges. 

We disclose your monthly interest charges on each statement we send you. Please refer to your online or paper statements for historical interest charges.

The deferral period can be a helpful tool to manage your monthly budget while there are no monthly payments due. The deferral period is a time where we don't require a minimum payment due from you. However, interest will still be charged at the monthly periodic rate on your deferred purchase from the date of purchase. The deferral period only applies to the purchase you applied the offer to. Please remember payments may still be due for existing balances on your account.

Paying more than your monthly minimum due can help pay down your balance faster. The time it takes to pay your entire balance down will depend on factors such as how much more than your minimum you are paying, how often you make additional payments, any fees like late fees that are assessed, services you have enrolled in, and additional purchases you make over time.

No, if you wish, you may pay more than the minimum payment due at any time up to your credit account balance, without penalty.

The minimum monthly payment is the amount that must be paid each month on balances subject to payment. You may pay more than the minimum payment at any time. However, this does not reduce or eliminate a minimum monthly payment for the following month’s due date.