Mattress Giant Credit Card Application
Frequently Asked Questions
Q:   What is the status of my Mattress Giant online credit card application?
A:   If you applied for credit using the online credit application and didnít receive an immediate decision, please call Customer Service at 1-800-459-8451 to request the status of your Mattress Giant Preferred credit card application. You should receive either your credit card or a letter of explanation within 30 days after Wells Fargo Financial National Bank processes the application.
Q:   When will I get my Mattress Giant Preferred Customer Credit Card in the mail?
A:   You should receive your credit card within 30 days after the application is approved by Wells Fargo Financial National Bank.
Q:   May I use my Mattress Giant Preferred Customer Credit Card as soon as I receive it in the mail?
A:   Good News! You can begin to make purchases on your account prior to receiving your card. Simply have the sales associate provide you with your account number, after you have been approved with valid identification, and enjoy shopping! Once you receive your Mattress Giant Preferred credit card, you may visit the Mattress Giant location nearest to you and make purchases, based on your available credit, with your Mattress Giant Preferred credit card.
Q:   If Iíve forgotten my Mattress Giant Preferred Customer Credit Card can I still charge purchases to my account?
A:   Yes! As long as you have available credit you may still charge purchases to your account. You will need to provide a form of photo identification in order to verify your information and process a charge on your Mattress Giant Preferred Customer Credit Card.
Q:   What is the interest rate on this card?
A:   The APR for Regular Rate purchases are 27.99% as of October 1, 2010. You will have a minimum of 23 days after the statement closing date to repay your balance of purchases before interest is imposed if the previous balance was zero or if the previous balance was paid in full by the Payment Due Date on the previous statement.
Q:   Is there an annual fee on the card?
A:   One of the great advantages of being a Mattress Giant Preferred Customer cardholder is that there is no annual fee on the credit card.
Q:   When will I receive my first billing statement?
A:   It may take up to 45 days from the date of your first charge to receive your first billing statement. If you have any questions concerning your account prior to the receipt of your first billing statement, please call Customer Service at 1-800-459-8451.
Q:   Am I able to make payments at the store?
A:   Making payments at Mattress Giant stores are not an option. You can make your payment by mail, telephone or internet. To avoid late fees, you must pay the minimum monthly payment each billing cycle.

Mail your payment to the address below.
Detach your Payment Stub from your billing statement and enclose it with your payment.
Wells Fargo Financial National Bank
PO BOX 660431
Dallas, TX 75266-0431

Mail overnight payments to:
Regulus Group
Attn: Wells Fargo Financial
1500 Dragon Street, Suite A
Dallas, TX 75207

We suggest you allow 7-10 business days for your payment to reach Wells Fargo. Payments received on or before 5:00 pm Pacific Time will be credited as of the date of receipt.

For telephone payments, please call 800-459-8451. After you enter your account information, wait for the main menu and select option 1 to pay by phone. If you require assistance from a representative and you need to post your payment on the same day of the call, there will be a $10 charge to make a telephone payment. Representative-assisted payments must be made during regular business hours Monday through Friday from 8:00 am to 6:00 pm Central Time to post on the same day.

For payments over the internet, please visit Click on "Pay Your Bill Online" in the left hand column and then "Pay Your Bill Online Free!" under "Retail Store Credit Cards". Select "Enroll Now" and follow the online prompts.

Payments made using the internet or the automated phone service must be made before 11:59 pm Pacific Time to post the same day.
Q:   Who should I contact if I have questions about my account?
A:   Questions regarding your billing statement should be directed to Wells Fargo Financial National Bank. This number is 1-800-459-8451 and can also be found on your monthly billing statement.
Q:   How do I update my mailing address and/or phone number?
A:   You can change your address or telephone number by calling Customer Service at 1-800-459-8451.
Q:   What do I do if my card has been stolen?
A:   You can contact the Wells Fargo Financial National Bank Customer Service Department (1-800-459-8451) who will close the account and reissue a new credit card and account number. All existing balances on the closed account will be transferred over to the new account.
Q:   How do I request a Credit Limit Increase?
A:   You may request a credit limit increase by contacting Customer Service at 1-800-459-8451.
Q:   Can I add another user to my already existing credit card?
A:   Yes. To authorize another user on your account, this individual must fill out the co-applicant section of the credit card application and we will submit it for processing.
Q:   How long will my account be active?
A:   Your account may remain active for up to 18 months from the date of last activity unless the terms and conditions of your account have changed or if your financial situation has changed.