Online: To apply for a Fingerhut Credit Card online, fill out the online application with your personal information. Once you submit your application, you should receive an instant decision.
Over the phone: To apply for a Fingerhut Credit Card over the phone, call (800) 233-3588. Then, follow the prompts to either submit a Fingerhut Credit Card application through the automated system or to get connected to a customer service rep.
If you’ve already applied for the Fingerhut Credit Card and you want to talk to someone about the status of your application, call the Fingerhut customer service line at (800) 208-2500.
People with bad credit can get approved for the Fingerhut Credit Card. This card is designed to help people rebuild their credit. The downside is that you can only use the credit line at the Fingerhut online store, but it’s still a cheap way to rebuild damaged credit compared to other unsecured credit cards.
It is not very hard to get the Fingerhut Credit Account because it is available to people with bad credit. The Fingerhut Credit Card is actually a relatively easy credit card for the average person to get.
In order to get the Fingerhut Credit Card, you will have to meet the credit score requirement, have a steady income and be at least 18 years old. You’ll also need to have an SSN.… read full answer
Keep in mind that even though it’s not hard to get the Fingerhut Credit Card, you’re still not guaranteed to be approved.
The Fingerhut Credit Card approval requirements are to meet all the general standards, like being at least 18 years old with a U.S. mailing address, SSN, and the ability to pay. Plus, you can get the Fingerhut Credit Card even with bad credit.
It is one of the easiest credit cards to get approved for, and it can help you improve your credit standing if used responsibly. “Even if you have been turned down for credit, give us a try,” Fingerhut Credit’s webpage reads. “We can often say Yes! when others say no.”… read full answer
So, you don’t need any particular score to get the Fingerhut Credit Card. There are a few situations where Fingerhut will have to say no, though. Being in the middle of bankruptcy is one of them.
Here are the Fingerhut Credit Card approval requirements:
Applicants with bad credit can be accepted
18+ years old
United States mailing address
Social Security number (SSN)
Enough income or assets to afford monthly payments
No active bankruptcy
Not a member of a consumer credit counseling service
No past-due minimum payments while in the Fingerhut FreshStart program
As long as you avoid the negatives, you should have a good chance of Fingerhut Credit Card approval. And the best part about the process is if you’re not qualified for the card, Fingerhut might instead enroll you in their FreshStart program.
With this program, you’ll be able to make a Fingerhut purchase between $50 and the spending limit they give you. You must make a down payment of at least $50 toward the balance, and then pay off the rest in the time limit they specify after (usually a few months). After you finish paying the balance off, as long as you weren’t late with any payments, you’ll graduate to the regular Fingerhut Credit Card. The FreshStart program doesn’t report to the credit bureaus, but the regular account you’ll get afterward does.
Pros and Cons of the Fingerhut Credit Card
A Fingerhut Credit Card is easy to get approved for and it’ll help you rebuild your credit. And to top it off, there’s a $0 annual fee. But the only issue is that you can only use the card for Fingerhut purchases. If you’re looking for a card you can use anywhere, there are several good options available.
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