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Frequently Asked Questions

You have questions; we’ve compiled answers to the most popular ones. Save time by reviewing our answers below, chances are, the answer is here.

Account Agreements

How can I request a copy of my Account Agreement online?
You may click “View Account Agreements” on the homepage for generic agreements, or after logging into your account you may request your specific agreement by clicking “View/Request Account Agreements.” Just click “Information Central” under the “Customer Center” on the left side of any page (you’ll need to be logged-in to your account). Under “Manage Communications” click the link to “View/Request Account Agreement,” verify your address and submit your information. Once you complete and submit the form, we will mail your Account Agreement in 7 – 10 business days.
Is there a charge to request my Account Agreement?
No, there is no cost to request your Account Agreement.


When will my online payment post to my account?
The payment cut off time for online payments is 5:00 p.m., Pacific Time. This means, if we receive your online payment prior to 5:00 p.m., Pacific Time, your payment will be credited to your account as of the calendar date it was received. If we receive your payment after 5:00 p.m., Pacific Time, your payment will be credited as of the next calendar date.
What are my options for making a payment?

You can make an immediate payment online through this website, call us to take a payment over the phone, make a payment through MoneyGram, or send your check or money order through the mail.

If you send your check or money order through the mail, be sure to include your account number on the payment and send to:

Genesis FS Card Services
PO Box 23026
Columbus GA 31902-3026

What information do I need to make a MoneyGram payment?
If you’d like to make a payment using MoneyGram, first find your nearest MoneyGram location at www.moneygram.com. Then you’ll need the following information:
Company Name: Genesis FS
Receive Code: 4911
How can I avoid late payment fees?
As soon as you get your monthly billing statement, check the Payment Due Date and monthly Minimum Payment Due. Make sure you pay at least the monthly minimum payment each month by your payment due date. If you mail your payment, please allow at least seven (7) business days for postal delivery. You can also make an online payment through this website or call us to make payment over the telephone.
When will the available credit on my account reflect my payment?
In some cases, the available credit may not reflect your payment for up to 14 days in order to verify funds. This is disclosed in the “Making Payments” section of Agreement that governs your account.

Current Balance Info

How up-to-date is the current balance information?
The current balance is updated nightly and may not reflect all transactions (payments, purchases and other adjustments) on your account.

Available Credit

What is available credit?
Available credit is your credit limit minus your current balance and the amount available for use. Please keep in mind that your account’s available credit may not reflect a payment for up to 14 days to allow us to verify funds.

Credit Limit

How can I increase my credit limit?
There is not a credit limit increase program at this time.

Retailer Credits

If I return merchandise to a retailer or receive credit from a retailer for services, how long will it take for the credit to appear on my account?
Once the credit has been submitted by the retailer to us, it may take up to four days for the credit to appear on your account.

Monthly Minimum Payment

Why was my monthly minimum payment not reduced when the retailer issued a credit to my account?
In some cases, your monthly minimum payment amount will not be reduced. For example, if there was only a partial credit for a purchase transaction amount, it will not reduce your monthly minimum payment. This is because the monthly payment amount for that purchase transaction is fixed and will continue to be included in your monthly minimum payment calculation until that purchase transaction balance is zero. For more information on how your monthly minimum payment is calculated, please refer to your Account Agreement.

Accepted At

Can I use my account for purchases at other retailers?
This account is a private label program and can only be used at the retailer(s) described in your Account Agreement.

Still Have Questions?

Contact us to get answers.

Contact Us


Register for These Online Account Benefits:

  •    24/7 Account Access
  •    Free Online Bill Pay
  •    View Account Statements and more!






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