Paying your Fingerhut bill over the phone is a quick and easy way to make sure your payment gets processed right away. With just a few minutes on the phone you can pay your bill without having to mail in a check or worry about when your payment will go through. In this article, we’ll walk through the step-by-step process for paying your Fingerhut bill by phone.
Locate Your Fingerhut Account Number
Before you can pay your bill, you’ll need to have your 16-digit Fingerhut account number handy. You can find this printed on your monthly billing statement or welcome letter from Fingerhut. If you don’t have your statement, you can also call Fingerhut customer service at 1-800-964-1975 to get your account number.
Having your account number ready will make the payment process faster when you call. So take a moment to locate it before you pick up the phone.
Call the Fingerhut Automated Phone System
To pay your bill over the phone, you’ll call the Fingerhut automated phone system at 1-800-964-1975 This system is available 24/7, so you can call anytime day or night to make a payment
When prompted, enter your 16-digit account number on your phone keypad. The automated system will verify your account information and provide you with your current balance due.
Select Your Payment Method
Once the automated system has your account information, you’ll be asked to choose a payment method. Fingerhut accepts the following payment options for phone payments:
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Checking or savings account – Provide your account number and routing number.
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Credit or debit card – Have your card number, expiration date, and security code ready. All major cards are accepted.
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Fingerhut credit account – Pay with your Fingerhut-issued credit account.
Select the payment method you wish to use for this bill payment. The automated system will then walk you through any additional prompts to collect the needed information.
Enter Your Payment Amount
After selecting your payment method, the automated system will ask you to enter the amount you wish to pay. You can pay any amount up to your full balance due.
Be sure to note your current balance before making your call so you know how much you need to pay. The automated system will notify you if you attempt to make a payment that exceeds your current balance.
If you are unsure of your total balance, you can press “0” at any time during the call to speak with a customer service representative who can provide your account balance.
Confirm Your Payment Details
As the final step before processing your payment, the automated system will recap your payment details. Listen carefully to confirm the system has the correct:
- Account number
- Payment amount
- Payment method
If any detail is incorrect, press “2” to go back and re-enter the information.
Otherwise, press “1” to authorize and process your payment.
Get a Reference Number
After you authorize the payment, stay on the line until the automated system provides you with a confirmation and reference number for your payment.
Write down this reference number and keep it for your records in case you need to follow up on your payment later.
The reference number confirms that Fingerhut received your payment request. It does not mean the funds have been withdrawn from your account yet.
Payment Processing Time
Once you hang up the phone, your Fingerhut bill payment will generally process in 1-2 business days.
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Credit/debit card payments may show as pending on your account within a few hours and post within 24 hours.
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Bank account (ACH) payments take 1-2 days to deduct from your checking/savings account.
You will see the payment applied to your Fingerhut account balance shortly after the funds are withdrawn from your payment method.
Payment Confirmation
To confirm when your phone payment has been processed, you can:
- Review your payment method account online to see the pending or posted transaction.
- Call Fingerhut at 1-800-964-1975 to check your updated account balance.
- Wait to receive your next monthly billing statement with the payment applied.
Benefits of Paying by Phone
Paying your Fingerhut bill over the automated phone system offers several benefits:
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Fast processing – Phone payments post to your account quickly, often within 24 hours.
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Convenience – Make a payment anytime without stamps, checks, or envelopes.
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Payment options – Use your bank account, credit/debit card, or Fingerhut credit.
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Tracking – Get a reference number to confirm your payment details.
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Customer service – Speak to a representative if you need help.
So if you want an easy way to pay your bill quickly, paying your Fingerhut bill by phone is a great option! Just call 1-800-964-1975 anytime and follow the automated prompts to complete your payment in minutes.
Frequently Asked Questions About Paying Fingerhut Bills by Phone
Here are answers to some common questions about paying your Fingerhut bill over the automated phone system:
Can I set up recurring or automatic payments by phone?
Unfortunately, you cannot currently set up recurring payments over the phone. However, you can call each month to make a one-time payment. Or you can log into your account online to set up recurring automatic payments from your bank account.
When is my payment due if I pay by phone?
Your monthly payment due date does not change when paying by phone. Be sure to call and pay by your scheduled due date each month to avoid late fees.
Is there a fee for paying by phone?
No, Fingerhut does not charge any fee for payments made through the automated phone system. It is a free way to pay your bill.
Can I get a payment confirmation emailed to me?
Fingerhut does not send payment confirmations by email. However, your monthly billing statement will reflect any payments made since your last bill. You can also call customer service to confirm your last payment details.
What is the latest I can call to make a payment?
You can pay your bill via the automated system any time before 11:59pm CT on your due date. Payments made after your due date risk being marked late.
What if I have an issue with my phone payment?
If there is a problem processing your payment, Fingerhut will mail you a letter explaining the issue. You can also call customer service for assistance if your payment does not go through as expected.
Can I pay multiple Fingerhut accounts by phone?
Yes, you can pay on multiple accounts during the same call. The automated system will prompt you to enter additional account numbers after completing the first payment.
Paying your Fingerhut bill by phone is quick, convenient, and secure. Just have your account number, payment info, and amount ready when you call 1-800-964-1975. Follow the voice prompts to complete your payment and you’ll be done in minutes!
