3.625 inches

3.6875 inches

3.6875 inches

right to participate as a representative or member of any class of claimants pertaining 
to any dispute subject to arbitration. The arbitrator’s decision will generally be final and 
binding. Other rights that you would have if you went to court may also not be available 
in arbitration. It is important that you read the entire Arbitration provision carefully before 
accepting the terms of this Agreement. 
For  purposes  of  this  Arbitration  provision,  “dispute”  shall  be  construed  as  broadly  as 
possible,  and  shall  include  any  claim,  dispute  or  controversy  (whether  in  contract, 
regulatory,  tort  or  otherwise,  whether  pre-existing,  present  or  future  and  including 
constitutional,  statutory,  common  law,  intentional  tort  and  equitable  claims)  arising 
from or relating to this Agreement, the credit offered or provided to you, or the goods or 
services you purchase; the actions of yourself, us, or third parties; or the validity of this 
Agreement or this Arbitration provision. It includes disputes brought as counterclaims, 
cross claims, or third party claims. A party that has brought a dispute in a court may elect 
to arbitrate any other dispute that may be raised in that litigation. Disputes brought as part 
of a class action or other representative basis are subject to arbitration on an individual 
(non-class, non-representative) basis. IF YOU DO NOT OPT OUT, THEN YOU WILL HAVE 
WAIVED YOUR RIGHT TO INDICATE OR PARTICIPATE IN A CLASS ACTION RELATED TO 
THIS AGREEMENT. In this Arbitration provision, the words “we,” “us,” and “our” shall 
include  WebBank  and  any  assignees  of  any  of  WebBank’s  rights,  any  merchant  from 
which you purchased goods or services using your Account, as well as their respective 
affiliates, servicers, employees, agents, and further assigns. 
Any  arbitration  under  this  Arbitration  provision  shall  be  administered  by  the  American 
Arbitration Association (“AAA”) under the rules applicable to the resolution of consumer 
disputes  in  effect  when  the  dispute  is  filed.  The  arbitrator  shall  have  no  authority  to 
hear  any  disputes  on  a  class  action  or  representative  basis.  Neither  you  nor  we  may 
consolidate or join the disputes of other persons who may have similar disputes into a 
single arbitration, other than the disputes of or against joint account holders. You may 
obtain rules and forms by calling the AAA at 1-800-778-7879 or visiting www.adr.org. Any 
arbitration hearing that you attend will take place in the Federal judicial district where you 
reside. We will not elect arbitration of any dispute that is filed as an individual matter by 
you in a small claims or similar court, so long as the dispute is pending on an individual 
basis in such court. 
A  single,  neutral  arbitrator  will  decide  any  disputes.  The  arbitrator  must  be  either  a 
retired  or  former  judge  or  a  lawyer  with  no  less  than  10  years’  experience,  selected 
in  accordance  with  the  AAA’s  rules.  The  arbitrator  will  apply  applicable  substantive 
law consistent with the FAA and applicable statutes of limitations, will honor claims of 
privilege under applicable law, and will have the power to award to a party any damages 
or other relief provided under applicable law. Any party may choose to have a hearing, and 
may choose to be represented by counsel. The arbitrator will issue an award in writing 
and, upon request, will provide a written explanation for the award. Judgment upon the 
award rendered by the arbitrator may be entered in any court having jurisdiction.
The party initiating an arbitration must pay the AAA’s initial filing fee, although you can 
ask the AAA to waive the filing fee and we will consider your request that we pay the 
filing  fee  on  your  behalf.  We  will  pay  any  subsequent  administration  fees  imposed  by 
the AAA, and we will pay the arbitrator’s fee for up to one day of hearings. All other fees 
will  be  allocated  as  provided  by  the  AAA’s  rules  and  applicable  law.  If  you  prevail  in 
arbitration, we will reimburse you any fees paid to the AAA. However, even if we prevail, 
we  will  not  seek  reimbursement  from  you  of  any  fees  we  paid  to  the  AAA  unless  the 
arbitrator determines that your dispute was brought in bad faith. Each party shall bear 
its own costs of attorneys, experts, and witness fees, regardless of which party prevails 
in  the  arbitration.  However,  if  applicable  substantive  law  gives  you  the  right  to  seek 
reimbursement of attorneys’ fees or other fees or costs, then that right shall also apply 
in the arbitration.
You have the right to opt out of this Arbitration provision, but you may only do so in the 
first 30 days after the first transaction is posted to your Account. In order to opt out, you 
must  write  us  at  WebBank/Fingerhut  Arbitration,  P.O.  Box  1250,  St  Cloud,  MN  56395-
1250. You must inform us of your decision to opt out, and sign the notice.
This  Arbitration  provision  shall  survive  repayment  of  your  extension  of  credit  and 
termination  of  your  Account.  This  Arbitration  provision  is  made  in  connection  with 

interstate  commerce,  and  shall  be  governed  by  the  Federal  Arbitration  Act,  9  USC 
Sections  1  through  16.  If  any  part  of  this  Arbitration  provision  is  determined  to  be  void 
or unenforceable, then this entire Arbitration provision shall be considered null and void; 
however, it shall not affect the validity of the rest of this Agreement. 
Credit Bureau Disputes. If you believe we inaccurately reported credit history information 
about you or your Account to a credit reporting agency, call us at 1-866-734-0342 or write 
to us at: Credit Bureau Reporting Services, P.O. Box 1250, St Cloud, MN 56395-1250. Please 
include a copy of the credit report reflecting the information that you believe is inaccurate.
All  Accounts,  including  California  and  Utah  Residents:  As  required  by  applicable  law, 
you are hereby notified that a negative credit report reflecting on your credit record may 
be  submitted  to  a  credit  reporting  agency  if  you  fail  to  fulfill  the  terms  of  your  credit 
obligations.
All  Accounts,  including  New  York/Rhode  Island/Vermont  Residents:  You  agree  to  give 
WebBank permission to access your credit report in connection with any transaction, or 
extension of credit, and on an ongoing basis, for the purpose of reviewing your Account, 
adjusting the credit limit on your Account, taking collection action on your Account, or for 
any  other  legitimate  purposes  associated  with  your  Account.  Alimony,  child  support  or 
separate maintenance payments need not be revealed if you do not want us to consider it 
in determining your creditworthiness. Upon your request, you will be informed of whether 
or not a consumer credit report was ordered, and if it was, you will be given the name and 
address of the consumer reporting agency that furnished the report. New York residents 
may contact the New York State Banking Department: 1-800-518-8866.
Connecticut Residents: Damages may be imposed if a check is dishonored. Connecticut 
General Statutes § 52-565a authorizes our collection of damages for dishonored checks; 
criminal penalties may also apply.
Maryland Residents: Maryland law requires that if you send us a written request about the 
status of your Account and we do not answer that request within 60 days after we receive 
it, you are not required to pay a finance charge for that 60 day period or until we answer.
Missouri Residents: If you prepay your Account in full, you may be entitled to a refund of 
certain interest under Mo. Rev. Stat. § 408.170.
New Hampshire Residents: Reasonable attorney’s fees will be awarded to you if you prevail 
in (a) any action, suit or proceeding brought by us, or (b) any action brought by you. If you 
successfully assert a partial defense or set-off, recoupment or counterclaim to an action 
brought by us, the court may withhold from us the entire amount or such portion of the 
attorney fees as the court considers equitable. 
New  York  Residents:  New  York  residents  may  contact  the  New  York  state  banking 
department to obtain a comparative listing of credit card rates, fees and grace periods: 1 
State St., New York, NY 10004, 1-800-518-8866. 
Ohio Residents: The Ohio laws against discrimination require that all creditors make credit 
equally available to all creditworthy customers, and that credit reporting agencies maintain 
separate credit histories on each individual upon request. The Ohio Civil Rights Commission 
administers compliance with this law. 
Married  Wisconsin  Residents:  No  provision  of  any  marital  property  agreement,  any 
unilateral  statement,  or  court  decree  under  Wisconsin’s  Marital  Property  Act  adversely 
affects the interest of a creditor unless, prior to the time credit is granted, the creditor is 
furnished a copy of that agreement, statement or decree or has actual knowledge of the 
adverse provision when the obligation to the creditor is incurred. We may require that you 
pay the entire amount that you have outstanding if you do not pay amounts that come due 
2 times within 12 month period. You will also have to pay your entire amount outstanding 
if you fail to do anything required in this agreement and that failure makes it likely that you 
will not be able to pay your bills from us as they become due. 
Texas  Residents:  To  contact  us  about  your  Account  call  1-800-208-2500.  This  contract 
is  subject  in  whole  or  in  part  to  Texas  law  which  is  enforced  by  the  Consumer  Credit 
Commissioner,  2601  North  Lamar  Boulevard,  Austin,  Texas  78705-4207.  Phone  (800) 
538-1579;  www.occc.state.tx.us.  Contact  the  Commissioner  relative  to  any  inquires  or 
complaints.

©Fingerhut 5-061267-000 

7/12

WebBank
Fingerhut Credit Account Agreement

This  is  the  Agreement  which  covers  your  credit  account  (called  your  “Account”)  with 
WebBank for purchases you make with Fingerhut. Do not enter into this Agreement before 
you read it or if any spaces intended for the agreed terms are left blank. You are entitled 
to  a  copy  of  this  Agreement  at  the  time  you  sign  it.  You  acknowledge  that  you  have 
received a copy of this Agreement for your records.
You can use your Account to purchase goods or services from Fingerhut or any merchant 
authorized to accept your Account, and to pay for goods and services offered in connection 
with your Account. You may at any time pay off the full balance of your Account. You may 
only use your Account for personal, family, and household purposes. You and WebBank will 
be bound by this Agreement from the first time a transaction is posted to your Account. 
In this Agreement, and in your monthly statements (“Statements”), the words “you” and 
“your” refer to all persons named on the credit account we issue or who have signed the 
application or acceptance forms, and the words “we”, “us” and “our” refer to WebBank 
(and, as applicable, its agents, successors and assigns). An applicant, if married, may apply 
for a separate account.
Your Promise to Pay. You promise to pay for (a) credit extended by WebBank to you or 
anyone you allow to use your Account; (b) interest charges, late fees, and all other charges 
provided in this Agreement or that you (or anyone you allow to use your Account) agree to 
pay; and (c) collection costs and attorneys’ fees to the extent permitted by applicable law 
if your Account should go into default. If your Account is a joint account, all joint account 
holders  promise  to  pay  and  be  jointly  and  individually  responsible  for  all  amounts  due 
under this Agreement.
Available  Credit.  Your  Account  is  an  open  end  account,  subject  to  the  following  credit 
limits. We will assign you a credit limit, and we will indicate your current credit limit on 
each Statement. You agree not to exceed the credit limit that we establish for you. If you 
request a transaction that would exceed the credit limit, we may decline it or we may allow 
the transaction without increasing your credit limit. You will be obligated to pay any amount 
in  excess  of  your  credit  limit  in  accordance  with  the  terms  of  this  Agreement.  We  may 
increase or reduce your credit limit, or suspend or terminate your Account, at any time with 
or without cause. We will provide notice to you to the extent required by applicable law.
Statements. We will send you a Statement covering each billing cycle in which you have a 
balance (including deferred balances, if applicable), or if required by law. Billing cycles are 
approximately one month long. Each Statement will reflect: (a) the total amount you owed 
on the first day of your billing cycle (called the “previous balance”), which will include any 
deferred balance (see below under the heading “Deferral Periods”); (b) payments, credits, 
purchases and interest charges, and all other charges made to your Account during the 
billing cycle; (c) the total amount you owed at the end of the billing cycle (called “new 
balance”); (d) the minimum payment you must make (called the “minimum payment”); and 
(e) the date by which the minimum payment must be paid to avoid a late charge.
Payments.  The  minimum  payment  is  based  on  your  Account  balance  as  outlined  in  the 
Payment Chart below. The minimum payment is due by the date set forth on the Statement. 
We will not impose any late charges if you pay at least the minimum payment reflected in 
your Statement by the payment due date specified, which will always be at least 24 days 
from the Statement date. If you wish, you may pay more than the minimum payment and at 
any time you may pay the entire new balance, without penalty.
Payment Instructions. All payments made by mail must be made by check or money order, 
following the instructions in this Agreement and on your Statement. You agree that we may 
return any payment you make, without applying the payment to your Account and without 
presentment or protest, for reasons including, but not limited to, that the check or money 
order: (1) is not drawn on the U.S. Post Office or a financial institution located in the United 
States; (2) is missing a signature; (3) is drawn with different numeric and written amounts; 
(4) contains a restrictive endorsement; (5) is post-dated; (6) is not payable to WebBank or its 
assigns; (7) is not payable in U.S. dollars; or (8) is not paid upon presentment. If we accept 
a check payment made in U.S. dollars and drawn on a financial institution not located in 

3.6875 inches

3.6875 inches

3.625 inches

PAYMENT CHART

Account Balance
To
From 
$5.98 
– 
$44.99 
$5.99 
$69.99 
$45.00 
$99.99 
$70.00 
$124.99 
$100.00 
$199.99 
$125.00 
$249.99 
$200.00 
$299.99 
$250.00 
$349.99 
$300.00 
$449.99 
$350.00 
$549.99 
$450.00 
$799.99 
$550.00 
$1,099.99 
$800.00 
$1,399.99 
$1,100.00 
$1,400.00 

Minimum PMT $

100%
$5.99
$6.99
$7.99
$9.99
$13.99
$16.99
$19.99
$22.99
$28.99
$33.99
$46.99
$59.99
$69.99
5%

the United States, you agree to pay any bank collection fees we incur. We can accept late 
or partial payments, or checks or money orders marked “Payment in Full” or otherwise 
restrictively endorsed, without losing any of our rights under this Agreement. All payments 
under this Agreement must be received at the address specified on your billing statement. 
Payments may also be made electronically on the web or phone, by ACH payment from a 
checking or savings account. However, you may not make a payment using any credit card 
issued by WebBank. We may charge a processing fee for payments made by phone and 
when made with the assistance of a service representative of the company for an expedited 
payment posted on the same day. The fee will be disclosed at the time you request to make 
the payment. 
How We Figure Periodic Interest Charges. To calculate the interest charge payable each 
month,  we  multiply  the  average  daily  balance  times  the  monthly  periodic  rate  and,  if 
applicable,  add  any  deferred  interest  charge  (see  Deferral  Periods).  If  the  total  periodic 
interest  charges  for  a  month  are  less  than  $1.00  then  we  charge  a  minimum  periodic 
interest  charge  of  $1.00  which  we  will  apply  to  the  applicable  balance  (to  the  extent 
permitted by applicable law).
Average  Daily  Balance.  We  figure  the  interest  charge  on  your  Account  by  applying  the 
monthly  periodic  rate  to  the  Average  Daily  Balance  of  your  Account,  including  current 
transactions.  To  get  the  Average  Daily  Balance,  we  take  the  beginning  balance  of  your 
Account  each  day,  add  any  new  purchases  on  that  day,  and  subtract  any  payments  or 
credits we apply that day. We add interest charges to each feature on a monthly basis. 
We add other charges and fees, such as late fees, on the day that such charges or fees 
are posted to the Account. If your Account has an overall credit balance, we treat this as a 
$0 balance. Purchases subject to Deferral Periods described below are excluded from our 
calculation of the Average Daily Balance until the day following the expiration of the Deferral 
Period. This gives us the daily balance. Then we add up all the daily balances for each day 
in the billing cycle and divide the total by the number of days in the billing cycle. This gives 
us the Average Daily Balance.
Non-Variable  APR.  Your  Annual  Percentage  Rate  is  24.90%,  which  corresponds  to  a 
monthly periodic rate of 2.075%. This is a non-variable rate. The finance charges that are 
assessed, including the monthly periodic rate, will be in amounts or at rates that do not 
exceed  those  permitted  by  law.  The  amount  of  periodic  interest  charges  and  APRs  are 
subject  to  change.  See  below  under  the  heading  “Change  of  Terms  (including  Interest 
Charges).”
When interest charges begin to accrue. Interest charges begin to accrue on each purchase 
on  the  date  of  the  purchase.  However,  if  you  paid  the  new  balance  on  your  previous 
Statement by the payment due date shown on that statement, then: (1) if you pay the new 

balance  on  your  current  billing  statement  by  the  payment  due  date  shown,  we  impose 
no interest charges on purchases during the current billing cycle, and (2) if you make a 
payment by the payment due date shown on your current statement that is less than the 
new balance, we will credit that payment as of the first day in your current billing cycle. 
In addition, if your previous Statement reflected a new balance and you did not pay that 
new balance in full by the payment due date on that previous statement, then we will not 
impose interest charges on any purchases during the current billing cycle if you pay the 
new balance shown on your current Statement by the payment due date reflected on that 
current Statement.
Deferral  Periods.  From  time  to  time,  we  may  offer  you  the  opportunity  to  enter  into 
promotions. Terms of these promotions will be provided in connection with any offers.
Late Fees. Late fees will be equal to your minimum payment due with a maximum amount 
of up to $25.00 for the first time offense and will increase to a maximum amount of $30.00 
if you have not made your payment by the due date in each of your next 6 billing cycles 
(or to the extent permitted by applicable law). The late fee will never be greater than your 
minimum payment due to which the late fee relates.
Returned Payment Fees. Returned payment fees will be equal to your minimum payment 
with a maximum amount of up to $25.00 for the first time offense and will increase to a 
maximum amount of $30.00 if you have any returned payments in your next 6 billing cycles 
(or  to  the  extent  permitted  by  applicable  law).  The  returned  payment  fee  will  never  be 
greater than your most recent minimum payment due. 
No  Annual  Account  Fee.  You  are  not  charged  a  separate  annual  fee  to  maintain  your 
Account.
Application of Payments. Each payment you send to us will be applied to your Account 
in a manner consistent with applicable law. Generally, we will apply your payment first to 
satisfy all minimum payments due. You may pay the entire balance on your Account at any 
time without incurring any additional charge for prepayment. 
Change of Terms (including Interest Charges). Subject to applicable law, we may change 
or terminate any term of this Agreement or add new terms at any time, including, without 
limitation, adding or increasing fees, increasing your minimum payment and increasing the 
rate or amount of interest charges or changing the method of computing the balance upon 
which  interest  charges  are  assessed.  Prior  written  notice  will  be  provided  to  you  when 
required by applicable law. Changes may apply to new and outstanding balances.
Default. You will be in default under this Agreement if: (a) you fail to make at least the 
minimum payment by the Payment Due Date specified on your Statement ; (b) you violate 
any other provision of this Agreement; (c) you die; (d) you become the subject of bankruptcy 
or  insolvency  proceedings;  (e)  you  or  any  part  of  your  property  becomes  the  object  of 
attachment, foreclosure, repossession, lien, judgment, or garnishment proceedings; (f) you 
fail to provide to us any information we reasonably deem necessary; (g) you supply us with 
misleading, false, incomplete or incorrect information; (h) we receive information indicating 
that you are unable to perform the terms and conditions of this Agreement; (i) you move 
out of the United States; or (j) you use your Account in an unlawful manner. Upon default, 
we have the right to require you to pay your entire Account balance (including all deferred 
purchases and all accrued but unpaid charges) immediately, and to sue you for what you 
owe. You will pay our court costs, reasonable attorneys’ fees and other collection costs 
related to the default to the extent permitted by applicable law. Following any default, any 
balances outstanding under this Agreement will continue to accrue interest charges until 
paid in full and will be subject to all the terms and conditions of this Agreement, except 
that  we  will  apply  your  payments  first  to  attorneys’  fees  and  other  court  costs  (to  the 
extent permitted by applicable law), and then in the order set forth in the Application of 
Payments section. 
Closing Your Account. We can close your Account at any time. You can cancel or close 
your Account at any time by writing to us at WebBank, Fingerhut Credit Account Services, 
P.O. Box 1250, St Cloud, MN 56395-1250. If we have issued you a card with your Account 
number, you must cut it in half and return it to us. You may not use your Account for any 
purchases after you cancel or close your Account. If you do not pay us in full when you 
cancel,  your  outstanding  balances  will  continue  to  accrue  interest  charges  and  other 
charges, and will be subject to the terms and conditions of this Agreement.

Liability  for  Unauthorized  Use/  Lost  or  Stolen  Account  Numbers.  If  you  notice  the 
loss or theft of your Account number or a possible unauthorized use of your card, you 
should write to us immediately at WebBank, Fingerhut Credit Account Services, P.O. Box 
1250,  St  Cloud,  MN  56395-1250,  or  call  as  at  1-800-208-2500.  You  will  not  be  liable 
for any unauthorized use that occurs after you notify us. You may, however, be liable 
for unauthorized use that occurs before you notify us. In any case, your liability will not 
exceed  $50.  However,  unauthorized  use  does  not  include  use  by  a  person  whom  you 
have given the Account number to or authority to use the Account, and you will be liable 
for all use by such a user. To terminate this authority you must send us notice in writing. 
Change of Name, Address, Telephone Number or Employment. Notify us immediately of 
any change in your name, mailing address, telephone number or place of employment. 
Send changes to: WebBank, Fingerhut Credit Account Services, P.O. Box 1250, St Cloud, 
MN 56395-1250. 
Consent  to  Use  of  Telephone  Numbers.  You  expressly  consent  to  receiving  calls 
and  messages,  including  autodialed  and  prerecorded  message  calls,  from  WebBank, 
Fingerhut, their affiliates, marketing partners, agents and others calling at their request 
or on their behalf, at any telephone numbers that you have provided or may provide in the 
future (including any cellular telephone numbers). 
Assignment  of  Account.  We  may  sell,  assign  or  transfer  your  Account  or  any  portion 
thereof without notice to you. You may not sell, assign or transfer your Account. 
Reporting  and  Monitoring.  We  may  report  information  about  your  Account  to  credit 
bureaus. Late payments, missed payments, or other defaults on your Account may be 
reflected in your credit report. You agree that any government agency may release your 
residence address to us, should it become necessary to locate you. You agree that we 
may record your calls, and that our supervisory personnel may listen to telephone calls 
between you and our representatives in order to evaluate the quality of our service to you 
and other cardholders.
Updated Financial and Other Information. Upon request, you agree to promptly give us 
accurate financial and other information about yourself. We may obtain information about 
you from credit bureaus or other third parties at any time. You agree that the information 
that you provide to us is accurate as of the date provided, and that if the information 
changes you will contact us with the notice of the change.  

Governing  Law/Enforceability.  This  Agreement  and  your  Account  will  be  governed 
by federal law applicable to a FDIC-insured institution and, to the extent permitted by 
law  and  not  preempted  by  federal  law,  the  law  of  Utah,  without  regard  to  its  choice 
of law provisions. You agree that this Agreement is entered into between you and us, 
and received by us, in Utah and we extend credit to you from Utah, whether or not you 
live in Utah. We will make the decision whether to open an account for you based on 
criteria established in Utah. If any provision of this Agreement is determined to be void 
or unenforceable under any applicable law, rule or regulation, all other provisions of this 
Agreement will remain enforceable (except as specifically addressed in the Arbitration 
provision).  Our  failure  to  exercise  any  of  our  rights  under  this  Agreement  will  not  be 
deemed  to  waive  our  rights  to  exercise  such  rights  in  the  future.  This  Agreement  is 
a  final  expression  of  the  agreement  between  you  and  us  and  this  Agreement  may 
not  be  contradicted  by  evidence  of  any  alleged  prior  oral  agreement  or  of  an  alleged 
contemporaneous oral agreement between you and us.
Arbitration.  Please  review  this  provision  carefully.  It  provides  that  any  dispute  may 
be resolved by binding arbitration. Arbitration replaces the right to go to court and 
the  right  to  have  a  jury  decide  a  dispute.  Under  this  provision,  your  rights  may  be 
substantially  limited  in  the  event  of  a  dispute.  You  may  opt  out  of  this  Arbitration 
provision by following the instructions below.
By accepting this Agreement, unless you opt out by following the instructions below, you 
agree that either you or we, at our sole discretion, can choose to have any dispute arising 
out of or relating to this Agreement or our relationship resolved by binding arbitration. 
If arbitration is chosen by any party, neither you nor we will have the right to litigate 
that dispute in court or to have a jury trial on that dispute. Pre-arbitration discovery will 
be permitted only as allowed by the arbitration rules. In addition, you will not have the 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Standard Rate for the WebBank Fingerhut Terms and Conditions 

WebBank Fingerhut Credit Account Key Credit Terms 

Interest Rates and Interest Charges  

Annual Percentage Rate (APR) 
for Purchases 

24.90% 

How to Avoid Paying Interest 

Your due date is at least 24 days after the close of each billing cycle. We will  
 not charge you interest on purchases if you pay your entire balance by the 
 due date each month. 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $1.00 

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

To learn more about factors to consider when applying for or using a credit 
 card, visit the website of the Consumer Financial Protection Bureau at 

http://www.consumerfinance.gov/learnmore/ 

Fees 

Penalty Fees 
• Late Payment: 

• Returned Payment: 

  Up to $30.00 

  Up to $30.00 

How We Will Calculate Your Balance: We use a method called average daily balance including new purchases. 
See the account agreement for more details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the 
account agreement  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Pricing Addendum to the WebBank Fingerhut Terms and Conditions 

WebBank Fingerhut Credit Account Key Credit Terms 

Interest Rates and Interest Charges  

Annual Percentage Rate (APR) 
for Purchases 

9.90% Introductory APR for the 1st 6 billing cycles from account 
open date 

After that your APR will be 24.90% 

How to Avoid Paying Interest 

Your due date is at least 24 days after the close of each billing cycle. We will  
 not charge you interest on purchases if you pay your entire balance by the 
 due date each month. 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $1.00 

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

To learn more about factors to consider when applying for or using a credit 
 card, visit the website of the Consumer Financial Protection Bureau at 

http://www.consumerfinance.gov/learnmore/ 

Fees 

Penalty Fees 
• Late Payment: 

• Returned Payment: 

  Up to $30.00 

  Up to $30.00 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Pricing Addendum to the WebBank Fingerhut Terms and Conditions 

WebBank Fingerhut Credit Account Key Credit Terms 

Interest Rates and Interest Charges  

Annual Percentage Rate (APR) 
for Purchases 

0% Introductory APR for the 1st 6 billing cycles from account open 
date 

After that your APR will be 24.90% 

How to Avoid Paying Interest 

Your due date is at least 24 days after the close of each billing cycle. We will  
 not charge you interest on purchases if you pay your entire balance by the 
 due date each month. 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $1.00 

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

To learn more about factors to consider when applying for or using a credit 
 card, visit the website of the Consumer Financial Protection Bureau at 

http://www.consumerfinance.gov/learnmore/ 

Fees 

Penalty Fees 
• Late Payment: 

• Returned Payment: 

  Up to $30.00 

  Up to $30.00