What is Stoneberry?
It is a U.S. online and catalog retailer based in Chippewa Falls, Wisconsin. It sells brand-name home goods, electronics, clothing and more on its own store credit account.
How does Stoneberry Credit work?
You pre-qualify online for a credit limit, shop the catalog and repay purchases in monthly installments. Each order is subject to final credit approval, and interest is charged on any unpaid balance.
Is Stoneberry Credit a credit card?
No. It is a store credit account that works only at the retailer and its sister stores. You cannot use it at other merchants or take out cash.
What credit score do I need?
No minimum score is published. The account is marketed to people with fair or limited credit, but approval is never guaranteed and depends on your full credit file.
Does Stoneberry do a hard credit check?
Online pre-qualification tools normally use a soft inquiry that does not affect your score. Sources disagree about whether a hard inquiry follows at final approval, so read the disclosure on the application screen and check your credit report about 30 days later.
Does Stoneberry report to credit bureaus?
The company's public pages do not confirm it, and third-party sources contradict each other. Ask customer service which bureaus receive your payment history, then check your reports after two statements.
What is the minimum monthly payment?
Advertised payments start at $5.99 a month. Your actual minimum depends on your balance and account terms, and paying only the minimum is the slowest and most expensive way to clear a balance.
What APR does Stoneberry Credit charge?
No single APR appears on the retailer's marketing pages. Your rate is stated in the credit terms you accept and on every monthly statement. Use that figure in our payment calculator.
How is available credit calculated?
Available credit equals your credit limit minus your current balance and any orders that have not shipped yet. Pending orders count against your limit right away.
Why was I asked for a down payment?
Every order goes through final credit approval. When an order is larger than the system will approve on credit alone, a down payment may be requested before it ships.
How do I make a payment?
Pay online through the Make a Payment page in your account, by phone at 1-800-704-5480, or by mail using the address on your statement. Allow 7 to 10 days for mailed payments.
What is the customer service number?
The company lists 1-800-704-5480. You can also email [email protected] or use live chat in the online help center. For response times, escalation steps and return policy details, see our <a href="returns-customer-service.html">customer service guide</a>.
Which stores accept Stoneberry Credit?
The official website links to sister stores Masseys and Mason Outfitters, which share the credit account. Older sources list more stores, so confirm in your account. Full breakdown in our <a href="credit-network.html">sister stores guide</a>.
Is Stoneberry legit?
Yes. It is an established retailer. Reviews are mixed, with common complaints about item prices, interest charges, shipping delays and return costs. Read our <a href="is-stoneberry-legit.html">full legitimacy review</a> and <a href="returns-customer-service.html">return policy breakdown</a>.
Is Stoneberry the same as Fingerhut?
No. Fingerhut is a separate company with a similar catalog-credit model and its own credit accounts.
Is stoneberryapp.com the official website?
No. This is an independent review and guide site. The official retailer site is stoneberry.com.