What is the Fingerhut Credit Account minimum payment?

The easiest way you can pay your Fingerhut Credit Account is either online or through the mobile app. Alternatively, you can pay your credit card bill over the phone at 1-800-208-2500 or by mail. The issuer does allow cardholders to set up automatic payments, too.

Ways to Make a Fingerhut Credit Card Payment

• ... read full answerOnline: Log in to your online account and click on “Make a Payment.” Then, choose how much to pay, when to pay it, and where the payment is coming from.
• Through the mobile app: Log in to your account and select your card, then tap “Make a Payment.”
• Over the phone: Call 1-800-208-2500 and enter your card information when prompted.
• By mail: Send a check or money order (but not cash) to:
  Fingerhut
  PO Box 70281
  Philadelphia, PA 19176-0281

If you choose to make a payment via mail, make sure to always send it at least 5-7 days before the due date. Write your credit card number on the check, too.

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
• No foreclosure, tax liens or other derogatory marks on your credit

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.

Ultimately, if you’d like to get more information about your credit standing before you apply, you can check your latest credit score for free on WalletHub, the only website where credit scores and reports update daily.

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.