No, Fingerhut doesn’t send you a physical credit card. If you get approved for the Fingerhut Credit Card, you will receive a credit account number, instead.
You can use this number for purchases online, over the phone at (800) 233-3588, or by mail, using the print Fingerhut catalog.
It’s also worth noting that, when you apply for the Fingerhut Credit Card, you typically get an instant decision. Also, you can start using your account as soon as the issuer approves your application.
You can mainly use your Fingerhut Credit Card for purchases on fingerhut.com and to buy things from the Fingerhut catalog over the phone. You may also use your credit card to make purchases with select Fingerhut partners.
Keep in mind that Fingerhut merchandise accounts for thousands of products, including brand names like Samsung, Dyson, Skechers, and KitchenAid. You'll find electronics, jewelry, shoes, furniture, and decor items.
Using Your Fingerhut Credit Card at Select Partners
Yes, the Fingerhut Credit Account is a credit card. The Fingerhut Credit Card is issued by WebBank, reports to the credit bureaus, and allows you to pay off purchases over time. There are quite a few important things to know about the card before you apply, though.
The Fingerhut Credit Card credit limit is usually around $300 to start, according to forum posts, and some cardholders report limits as high as $3,500. WebBank does not include any specific Fingerhut Credit Card credit limit information in the card’s terms, though.
For the most part, Fingerhut Credit Card credit limits depend on each applicant’s overall creditworthiness. Those with the highest income and best credit scores will generally be offered the highest starting credit limits.
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