Dell Financial Services

Frequently Asked Questions

Statements

  • How do I read my statement?

    Visit our "how to read your statement" pages based on the account type you have:  Dell Preferred Account (DPA), Dell Business Credit (DBC), Lease or Loan

  • When does my DPA promotion expire?

    Please refer to the Interest Charge Calculation box on your statement. 

  • Does DFS offer a Paperless Communication option?

    Yes, for DPA and DBC customers we delivery certain account documents, including statements, electronically. Setup is immediate and free of charge. We also offer paperless invoicing for our DFS Business Lease customers.

    For more information or to enroll your DPA and/or DBC account(s), sign in to your online account here and select paperless options. U.S. Lease customers can request a paperless invoice by calling us for assistance using the contact information here.

  • Why Has My Interest Rate Changed?

    Usually, one or more of the following factors are involved:

    • • A promotional rate expires

    • • The Prime Rate increases
      • DPA and DBC annual percentage rates are variable and fluctuate as the Prime Rate changes

    • • You participated in or completed a temporary rate reduction program, such as a Hardship

    • • Your eligibility for a rate change pursuant to the Service Members Civil Relief Act


  • Does Dell Financial Services Charge Fees?

    Yes, we do, and we want to fully disclose them.

    Regarding all DFS account types, including DPA, DBC, Lease or Loan, you may be charged a fee if:

    • • A promotional rate expires

    • • The Prime Rate increases
      • DPA annual percentage rates are variable and fluctuate as the Prime Rate changes

    • • You participated in or completed a temporary rate reduction program, such as a Hardship

    • • Your eligibility for a rate change pursuant to the Service Members Civil Relief Act


    DPA/DBC customers may be charged these fees as well, and should visit these links to learn more about DPA and DBC fees:

    • • Statement copies

    • • Account history research

    • • Minimum interest charge
      • For DPA it’s $2.00 per billing cycle. This applies in every billing cycle where interest charges are billed but are otherwise less than $2.00.
      • For DBC it’s $1.00 per billing cycle. This applies in every billing cycle where interest charges are billed but are otherwise less than $2.00.


    Lease customers may be charged these fees as well, and should review the lease's Terms and Conditions to learn more about fees:

    • • Personal Property Tax Management

    • • Lease application processing


    Loan customers should review the loan's Terms and Conditions to learn more about fees.

  • Why Am I Being Assessed Two Sets of Finance Charges on My DPA/DBC Statement?

    Billed Deferred Finance Charges will appear on your statement in any month where interest that has accrued in a prior billing cycle is assessed. There are two scenarios in which this can occur:

    Scenario 1: Any time your account balance is $0.00, and you make a new non-promotional purchase.

    DFS will send a statement within 30 days after your new purchase. If, at that time, you choose to pay less than the statement balance, or if payment is received after the due date, the interest that accrued during the billing cycle in which the purchase was made will be assessed as Billed Deferred Finance Charges on your next statement. The finance charges accrued during the subsequent billing cycle will be assessed as Billed Finance Charges.

    Scenario 2: Any time a promotional purchase hasn't been paid in full by the promotion's expiration date.

    Should this happen, you will be assessed the Billed Deferred Finance Charges that accrued during the promotional period.

  • Can I Consolidate My Lease Invoices Into a Single Invoice?

    Yes, just contact us and we’ll be happy to consolidate them:

    Lease Customer Care
    (877) 663-3355
    Monday - Friday, 8 a.m. - 7 p.m. CST

  • What Are Paperless Communications?

    It’s an electronic delivery service that enables viewing certain account-related documents online, rather than receiving them via the United States Postal Service (USPS). Once enrolled, you’ll receive an email notification when electronic documents are ready for review, along with instructions for logging-on to your DPA or DBC account.

  • How Can I Go Paperless?

    DPA and DBC customers can create an online profile here, following the prompts to create a User ID and Password. Then select the option to Go Paperless, which requires consent to the terms and conditions. If you have an existing profile, sign in here and select Paperless Options to enroll.

  • What Types of Paperless Communications Are Available for DPA and DBC Customers?

    These documents can be sent by electronic delivery, if they are available in that format:

    • • Billing statements and notifications

    • • Changes in Terms and Conditions

    • • Increase / Decrease in credit line

    • • Privacy policies

    • • Credit Bureau communications

    • • Billing dispute communications

    • • Collection notifications

    • • Additional communications about the account(s), as specified by our customers


    Note: ineligible documents will still be sent via USPS. If you choose not to enroll in Paperless all communication will be sent via USPS.

  • Will I Still Receive Paper Documents After Going Paperless?

    The only paper documents that will continue to be mailed are those that aren't available electronically.

  • What are My Options for Managing Electronic Documents?

    You can view, print or save the PDF file using your browser and/or Adobe Acrobat Reader.

    At no charge, you can have a copy of any electronic document mailed via USPS by contact the appropriate DPA/DBC Customer Care departement:

    • DPA Customer Care
      (800) 283-2210
      Monday - Friday, 7 a.m. - 8 p.m. CST

    • DBC Customer Care
      (866) 413-3355
      Monday - Friday, 8 a.m. - 7 p.m. CST

  • May I Reinstate Paper Documents?

    Yes, just sign in to your account and turn off your paperless options. Please allow one billing cycle for your request to be completed.

    If you're a Lease customer and want to switch back to a paper invoice, please contact our Customer Care department at:

    U.S. Lease Customer Care
    (877) 663-3355
    Monday - Friday, 8 a.m. - 7 p.m. CST

  • Why didn't I receive my Paperless Communications notification?

    It may be that the email address associated with your account is inaccurate. To verify or update it, sign in and go to My Profile. Also, check your email accounts' Spam folder. If the email is there, move it to your Inbox and then add these e-mail addresses to your "safe senders" list:

    DellAutomatedNotification@statementnotification.dell.com

    DellAutomatedNotification@DPAWelcome.dell.com