Financing with Dell Preferred Account

What is Dell Preferred Account (DPA) financing?
Dell Preferred Account is a revolving line of credit which allows you to pay for your purchase all at once or gives you the flexibility to make monthly payments. This account is offered by WebBank and serviced by Dell Financial Services. With this account there is no prepayment penalty. You may also qualify for promotions and discounts on future purchases.

What is Zero % liability on unauthorized charges?
As a Dell Preferred Account holder, you will not be held responsible for unauthorized purchase(s) on your Dell Preferred Account under the following conditions: You report the unauthorized purchase(s) within 90 days of the transaction appearing on your statement; and you cooperate with Dell Financial Services in the investigation of the fraudulent charges on your account. If you suspect unauthorized activity on your account, contact the Dell Financial Services Customer Service Team, toll-free, at 1- 800-283-2210 . Customer Service agents are available M-F, 7AM to 8PM (CT).

Is a minimum payment required?
Yes, minimum monthly payments are required. Minimum monthly payments are $20 or 3% of your New Balance shown on your billing statement, whichever is greater. If your purchase qualified for a financing promotion, the required minimum monthly payments may not pay off your purchase in full by the end of the promotional period due to purchase amount, promotion length, additional purchases or allocation of payments in excess of the minimum payment.

How does the Dell Preferred Account promotion work?
Interest will be charged to your account from the transaction posting date if the promotional balance is not paid in full by the end of the promotional period, or if you make a late payment. Minimum monthly payments are required but may not pay your promotional balance by the end of the promotional period due to purchase amount, promotion length, additional purchases or allocation of payments in excess of the minimum payment (see minimum payment question for additional information). If not paid by the end of the promotional period, account balance and new purchases will be subject to your Standard APR rate as found on your DPA Credit Agreement. Offers subject to credit approval and may be changed without notice. Minimum purchase amount may be required.

How are my payments applied to my promotional purchase?
During the last two months of any promotional offer consisting of a No Interest if paid in full Credit Plan, amounts paid over the Minimum Payment Due will be applied to the remaining balance of the No Interest if paid in full Credit Plan about to expire.

Why didn't I receive the lowest annual percentage rate available or other special program features?
Approval is based on creditworthiness, as determined by WebBank. Customers not eligible for the lowest available rate or a promotional financing feature may still be offered financing. Increasing the amount paid each month can reduce the total finance charges on your account.

Can I transfer the balances of my other credit cards to my Dell Preferred Account financing?
No, we are unable to transfer balances to this account from other credit cards. The Dell Preferred Account is solely for purchases of products offered on dell.com or other Dell participating retailers For more information please see the information provided in response to “Where can I use my Dell Preferred Account?”.

Can I update my personal information, such as my phone number and address online?
If you need to make any changes to the telephone numbers or home address we have on file, please log on to your account on www.dell.com/dfs and make the necessary changes.

How do I handle disputes on my Dell Preferred Account?
If you think there is an error on your statement, write to us at:

Dell Preferred Account
Attn: Billing Inquiry Department
P.O. Box 81585
Austin, TX 78708-1585

In your letter, please provide the following information:

• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
• Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.

You must contact us:

• Within 60 days after the error appeared on your statement.
• At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.

Can I view my account information online?
Yes, you may log on to your account on www.dell.com/dfs to view your account balance, update personal information and even change your password.

Can I pay my Dell Preferred Account financing bill online?
Yes, you may log on to www.dell.com/dfs to pay your Dell Preferred Account bill online.

Where do I send monthly payments when I pay by check?
Dell Preferred Account
Payment Processing Center
P.O. Box 6403
Carol Stream, IL 60197

Can I send my payments by overnight mail?
Yes, please send your payments to the following address if sent by overnight mail:

Dell Preferred Account
Payment Processing - #6403
2012 Corporate Lane
Suite 108
Naperville, IL 60563

Where can I learn more about the total cost of financing my purchase with a Dell Preferred Account?
For your convenience, we have created a calculator to help estimate the total cost of your purchase. Click Here

Where can I use my Dell Preferred Account?
You can use your Dell Preferred Account to shop online at Dell.com, including refurbished online at DFSDirectSales.com or DellOutlet.com and over the phone at 1-800-WWW-DELL and participating retailers. If you intend to use your Dell Preferred Account at a participating retailer, please be ready be ready to provide the last 4-digits of your SSN, last name and zip code.

Why will I receive up to 6% back in rewards?
Dell greatly values its customer relationships, including those who choose to finance. At this time Dell Rewards members will earn up to 6% back in rewards (excluding Bose products) when they choose to finance. All other items purchased with a Dell Rewards membership qualify for up to 3% back in rewards and free expedited delivery* on eligible items.