The best department store credit card for bad credit with instant approval is the Fingerhut Credit Account because it’s available to people with any credit score. Fingerhut’s website even says “When you apply for a Fingerhut Credit Account issued by WebBank, you will get an answer instantly.” The Fingerhut card doesn’t offer rewards or special financing. But it does have a $0 annual fee. It can only be used at Fingerhut. Fingerhut is an online retailer that sells a wide variety of products from clothes to kitchenware to electronics.
And even if the instant decision on your Fingerhut credit application is “No,” you still have a chance. Fingerhut will offer to put you into their FreshStart program. With FreshStart, you purchase something from the website as an installment loan. If you demonstrate responsibility by making all your payments on time, Fingerhut will then graduate you to a credit account instead.
Aside from Fingerhut, there aren’t really any other department store credit cards for bad credit with instant approval, unfortunately. But you can look into general secured cards, which will probably offer you better terms and which will have a good chance of instant approval if you apply online. And you can use a secured card anywhere, while you can only use store cards at one merchant.
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