If you did not receive an immediate decision, and you established a username and password, you may check the status of your credit card application by clicking on the ""Apply Now"" and ""Check Status"" link.

When will I get my Mattress Discounters Preferred Customer Credit Card in the mail?

You should receive your credit card within 30 days after the application is approved by Wells Fargo Financial National Bank.

May I use my Mattress Discounters Preferred Customer Credit Card as soon as I receive it in the mail?

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 Discounters credit card, you may visit the Mattress Discounters location nearest to you and make purchases, based on your available credit, with your Mattress Discounters credit card.

If I've forgotten my Mattress Discounters Preferred Customer Credit Card can I still charge purchases to my account?

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 Discounters Preferred Customer Credit Card.

What is the interest rate on this card?

The Mattress Discounters Preferred Customer credit card is issued with approved credit by Wells Fargo Financial National Bank. For newly opened accounts, the regular APR is 27.99%. The APR may vary. The APR is given as of April 1, 2011. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00.

Is there an annual fee on the card?

One of the great advantages of being a Mattress Discounters Preferred Customer cardholder is that there is NO annual fee* on the credit card.

*The Mattress Discounters Preferred Customer credit card is issued with approved credit by Wells Fargo Financial National Bank. For newly opened accounts, the regular APR is 27.99%. The APR may vary. The APR is given as of April 1, 2011. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00.

When will I receive my first billing statement?

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.

Am I able to make payments at the Sleep Center?

Making payments at the Sleep Center is 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.

While making payments at the Sleep Center is not an option, you do currently have two convenient options for submitting payments to Wells Fargo Financial National Bank:

Mail- pay by personal check or money order (a return envelope is included with your billing statement)
Speed Pay- pay by phone, with a personal check, for a minimal charge. Simply call Customer Services at 1-800-626-6285 to pay by phone.

If you choose to mail your payment(s), please send them to:

Regular Mail:

Wells Fargo Financial National Bank

PO Box 98796

Las Vegas, NV 89193-8796

Overnight Mail:

Wells Fargo Financial National Bank

4455 W. Spring Mountain Road

Las Vegas, NV 89102

The payment address is also indicated on your billing statement. Be sure to include your account number on your check and allow 5 to 7 business days for the payment to be received.

For telephone payments, please call 1-800-459-8451. 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 wellsfargofinancial.com. 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.

Who should I contact if I have questions about my account?

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.

How do I update my mailing address and/or phone number?

You can change your address or telephone number by calling Customer Service at 1-800-459-8451.

What do I do if my card has been stolen?

You can contact Wells Fargo Financial National Bank’s Customer Service Department (1-800-459-8451) who will close out 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.

How do I request a Credit Limit Increase?

You may request a credit limit increase by contacting Customer Service at 1-800-459-8451.

Can I add another user to my already existing credit card?

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.

How long will my account be active?

Your account may remain active 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.

NO CREDIT CHECK FINANCING

Who is Progressive Finance?

With over 15 years of experience in difficult credit solutions, Progressive Finance has developed a hybrid lease/purchase supplemental program that approves 9 out of 10 applications regardless of your credit history.

How can I be approved for No Credit Check Financing?

Credit approvals are based on two factors:

You must be employed for at least 6 months with a gross income of $1,000 a month; and
You must have an open, active bank account established for at least 3 months with NO returned checks or NSF fees within the last 30 days.

What is the interest rate/payment?

Since this is a lease/purchase program- there is no interest rate. Lease payments are 15% of the invoice per month. Example: $1,000 invoice = $150/mo payment.

How long is the lease agreement?

All lease/purchase agreements are 12 months.

Are there any buyout options?

Progressive Finance offers early buyout options to customers who wish to wown the merchandise outright before the 12 month term is up. There are two buyout options:

90 Days same as cash-You pay only the invoice amount and a $40 processing fee within 90 days of the delivery date.
65% buyout option-If you wish to own the merchandise outright after 90 days, you may purchase it at 65% of the balance left on your account. For example: After six months, you wish to purchase your bedding outright and the balance on your agreement is $500. The 65% buyout option will allow you to buy the merchandise for $325.

What documents are needed for the approval process?

The following documents are required for an approval:

Application (you can either download or apply on line).
Most recent paystub
Bank Statement from the last 30 days
Photo ID
Year to Date Pay Stub
Voided Personal Check

What is the processing fee?

There is a $40 collection fee that will be collected after you have been approved.

Am I able to make payments at the Store?

Since the financing is handled through Progressive Financing, payments will be submitted to Progressive Financing through Debit Authorization and not Mattress Discounters.

Who should I contact if I have questions about my account?

Progressive Financing will contact you 10 days after receipt of your product regarding your account.

How do I update my mailing address and/or phone number?

You can change your address or telephone number by email to mdhelp@mattressdiscounters.com.