Fingerhut is a popular retailer that offers flexible payment plans for shoppers. If you have a Fingerhut credit account, it’s important to understand how to pay your bill on time each month This comprehensive guide will explain the various ways to pay Fingerhut credit account bills and provide tips for managing your account responsibly
Overview of Fingerhut
Fingerhut is a retail company that sells a diverse range of products, from home goods and electronics to jewelry and clothing. They are well known for offering shoppers the ability to pay for purchases over time with monthly installment plans
When you open a credit account with Fingerhut and make purchases, you will receive a monthly statement detailing your account balance and minimum payment due. It’s crucial to pay at least the minimum by the due date to avoid late fees and damage to your credit
Here are some key facts about Fingerhut bill payments:
- Monthly statements are sent around the 15th of each month
- Minimum payment is typically 10% of balance or $15, whichever is greater
- Due date is around the 9th of the following month
- Late fee of up to $40 may apply for missed payments
- Interest rate of 29.9% on revolving credit balances
Now let’s go over all the ways you can pay your Fingerhut bill each month.
How to Pay Your Fingerhut Credit Account Bill
Fingerhut offers several convenient payment options to fit any schedule or preference.
Pay Online
The quickest way to pay your Fingerhut bill is online through their website. To pay online:
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Go to Fingerhut’s payment page
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Enter your account number and billing zip code
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Select “Make a Payment” and choose payment amount
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Enter payment details and submit
You can use a credit card, debit card, or electronic check. Online payments post instantly to your account. You can also set up autopay online.
Pay by Phone
To pay by phone, call 1-800-208-2500. You will need to provide your Fingerhut account number, billing zip code, and payment details. Phone payments let you speak to a representative if any issues occur.
Pay by Mail
Mail a check or money order to:
Fingerhut
PO Box 1250
St. Cloud, MN 56395-1250
Write your full account number on the payment to ensure proper processing. Allow 7-10 days for mailed payments.
Pay in Person
You can make an in-person payment at over 8,000 Western Union locations across the US. Take your billing statement and payment to the nearest location. Same day processing.
AutoPay
For automated payments from your bank account each month, enroll in AutoPay through your online account. Payments will debit on your due date without any effort needed.
Tips for Paying Your Fingerhut Bill on Time
Follow these tips and best practices when managing your Fingerhut account and payments:
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Mark your due date on your calendar so you don’t forget
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Pay a few days early to account for mailing/processing time
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Review statement details carefully each month for errors
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Contact customer service immediately if you can’t make the minimum payment
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Set payment reminders and confirm payment went through
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Update card information if your card expires or is lost/stolen
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Review interest rates and consider consolidating high balances to save on interest
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Build up an emergency fund to cover bills in case of illness or job loss
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Consider paying more than the minimum when possible to pay down principal faster
Staying current on your monthly Fingerhut payments ensures you maintain an open account in good standing and avoid credit damage. Reach out any time with billing or payment questions.
Frequently Asked Questions About Fingerhut Bill Payment
Here are answers to some common questions about paying Fingerhut bills:
What happens if I miss my due date?
A late fee of up to $40 can be charged if payment is not received by the due date. Make the payment as soon as possible.
Where can I find my account number?
Your Fingerhut account number is located on your billing statement or by logging into your online account.
What if I only can pay the minimum payment?
Paying the minimum keeps your account active, but interest accrues on the remaining balance. Pay more than minimum when possible.
How do I change my due date?
Contact Fingerhut customer service to request a one-time or permanent due date change for your account.
What is the mailing address for payments?
Fingerhut
PO Box 1250
St. Cloud, MN 56395-1250
How can I get a late payment fee waived?
You can request a one-time courtesy fee waiver if you call customer service promptly and have a good history of on-time payments.
When is my payment posted if I pay online?
Online payments via Fingerhut’s website are processed instantly and posted to your account right away.
Can I pay at a retail location?
Yes, Fingerhut bills can be paid in person at Western Union locations across the United States.
How can I get billing statements online?
Log into your account and change your preferences to go paperless. Email alerts let you know when new eStatements are ready.
Using the flexible payment options Fingerhut provides, you can pay your bill easily each month by phone, online, mail or in retail stores. Pay on time and manage your account carefully to avoid fees and credit impacts.
