What happens if I make a late payment on my Fingerhut account?

If you do not make your payment by the due date, you will incur a late fee. If you pay late on a regular basis or if your payment is more than 60 to 90 days late, your late payment may be reported to the major credit bureaus as negative information. That will drag down your credit score.

  • Late fee for the first late payment: $25.00
  • Late fee for the second and subsequent late payments: Up to $37.00

Late fees can be compounded by higher interest, returned check fees, and other fees. Be sure to make all your payments on time to avoid these fees. Paying late by just one or two days will cause you to incur a late fee but will generally not be reported to credit bureaus.

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