Does Fingerhut Credit Account have a 0% APR intro period for new purchases?

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.… read full answer

That said, the Fingerhut Credit Card credit limit that you start with isn’t necessarily your credit line forever. You can ask to get a credit limit increase by calling the WebBank customer service number on the back of your card, but it’s best not to do that more than once a year. WebBank will also evaluate your account periodically to determine whether you are eligible for a credit limit increase. Paying on time and keeping your credit utilization low are key for getting unsolicited credit line increases with WebBank.

Fingerhut will report to the credit bureaus on a monthly basis, however it might take a bit longer for a new credit card to show up on your credit report and actually improve your credit score. Somewhere around 60 days. So use your card responsibly and good luck rebuilding!

Yes, the Fingerhut Credit Card will do a hard pull. You can apply for it with no credit though. It has a lower credit-score requirement than most store cards, so you may be able to qualify with bad credit if you have a steady income and not too much debt.

There is no way to get pre-approved for the Fingerhut Credit Card. A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people’s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. You can learn more about how to minimize the credit score damage here.