When does Fingerhut report to the credit bureaus?

The Fingerhut Credit Card’s activity gets reported to the three main credit bureaus, TransUnion, Experian and Equifax, on a monthly basis.

Other things to know about the Fingerhut Credit Card credit limit increase:… read full answer

• To decide whether you’re eligible for an increase, the issuer will review your account several times per year.
• If you qualify for a higher credit limit, you’ll be notified via email or mail.
• In most cases, a credit limit increase will only result in a soft pull of your credit report, which does not affect your credit score. However, there are situations when a hard inquiry may be involved. In this case, the issuer will contact you beforehand to request your permission.
• Eligible cardholders can qualify for a credit limit increase as quickly as after 3 months of making on-time payments.
• The issuer offers 2 types of automatic credit limit increases. There is a permanent credit limit increase, when the new credit limit will be reflected on your Fingerhut Credit Card right away. But the issuer sometimes offers temporary credit limit increases as well, which can only be made permanent if you make a purchase large enough to cover the new credit limit amount.

Ultimately, there are a few steps you could take to improve your chances of being offered a higher credit limit. These include always paying your bills on time, improving your credit score, and increasing your income.

To dispute a Fingerhut Credit Account charge, call WebBank customer service at 1 (800) 208-2500. Alternatively, the address to dispute a charge by mail is:

Fingerhut Credit
Attn: Account Services
PO Box 1250
Saint Cloud, MN 56395-1250

Fingerhut Credit Card disputes are typically resolved within 90 days, though more complex issues may take a little longer. WebBank does not allow you to dispute a charge online.… read full answer

Once you’ve initiated the dispute, WebBank will then contact the merchant and review any information provided by both parties. You won’t be charged for the disputed transaction, nor any associated fees or interest, while the dispute is under investigation. And you can still use your Fingerhut Credit Card as you normally would while a dispute is ongoing.

WebBank will notify you of the outcome of the dispute after they’ve completed their investigation. They will either issue a chargeback to your account for the contested amount, or allow the charge to stand. If the disputed charge is ruled to be valid, you would then have to pay that amount, including any applicable fees and interest charges that accrued during the dispute, starting from the original purchase date.