Here is how you can reach Fingerhut Credit Card customer service:
By Phone: Call Fingerhut Credit Card customer service at (800) 208-2500. You can enter your information to use the automated system for account management purposes at any time. But if you would like to speak with a representative, please note that they can be reached between 7 a.m. and 10 p.m. CST, 7 days a week.
Your Fingerhut Credit Card approval odds are pretty good as long as you aren’t carrying too much debt and you don’t have major red flags such as an ongoing bankruptcy on your credit report. You’ll need enough income to pay your bills each month, too. Applicants can get approved with a bad credit score of 639 or below, however, so even a low credit score shouldn’t hold you back.… read full answer
The Fingerhut Credit Card can help cardholders build or rebuild their credit scores. But before applying for the Fingerhut Credit Card, you should compare it to the other credit cards for bad credit that are currently on the market, to make sure you find the right fit. If you end up getting denied for the Fingerhut Credit Card, consider applying for a credit card with no credit check.
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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