350+ Fingerhut Credit Account Reviews: $0 FeesReviews, rates, fees, and customer service info for The Fingerhut Credit Account. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesQualify with limited or no credit historyDoes not require security depositHigh regular APR
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit (Store Cards)." A score of 10 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Info about the Fingerhut Credit Account has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Fingerhut is a good credit card for building credit, even if you don’t plan on shopping from fingerhut.com’s catalogue. With a $0 annual fee and a lower credit-score requirement than most store cards, the Fingerhut Credit Account can help people with limited credit history improve their credit standing for free.... show more
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You can only get pre-approved for the Fingerhut Credit Card if you've received an offer in the mail. The issuer does not have an online tool that interested consumers can use to check their Fingerhut Credit Card pre-approval status.
Things to Know Before Getting the Fingerhut Credit Card
What it means if you get pre-approved: Getting a Fingerhut Credit Cardpre-approved credit offer means you have a roughly 80-90% chance of being approved for the Fingerhut Credit Account if you decide to apply.
Yes, there are other places like Fingerhut for bad credit from which you can get a credit card. For example, Montgomery Ward offers the Montgomery Ward Credit Account, which can be used for purchases at their affiliated stores. This card accepts people with bad credit and reports credit information to all 3 major credit bureaus. Plus, the card comes with a $0 annual fee.
The Montgomery Ward Credit Card is a good option if you're a frequent Montgomery Ward shopper. Otherwise, you're better...
Online: To apply for a Fingerhut Credit Cardonline, fill out the online application with your personal information. Once you submit your application, you should receive an instant decision.
Over the phone: To apply for a Fingerhut Credit Card over the phone, call (800) 233-3588. Then,...
How to Reach Fingerhut Credit Card Customer Service
Over the 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.
If you would like to speak with a representative, please note that they can be reached between...
You cannot check your Fingerhut Credit Card application status.
Once you apply for an account, Fingerhut will instantly decide whether you're approved or not. This way, you will know within minutes, but you might not like their decision.
There are a few things you could do in case your application is denied, though. My personal suggestion would be to become an authorized user on someone else's account.
Remember to also cut your card in half and send it back with your cancellation request.
Keep in mind, though, that cancelling a credit card could have a negative impact on your credit score. It's best to just leave the card open and unused,...
Yes, the Fingerhut Credit Account card is legit, real credit card. The Fingerhut Credit Card card is legit because it is issued by WebBank, an FDIC member that is accredited by the Better Business Bureau and has an "A+" BBB rating. The Fingerhut Credit Card also reports information to the major credit bureaus each month.
Why The Fingerhut Credit Card Card is Legit
Issued by WebBank, FDIC member and BBB accredited with an "A+" rating.
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.
Fingerhut Credit Card reports to the three major credit bureaus once a month, typically at the same time as the statement closing date. So, if your billing cycle ends on the 15th of every month, the issuer will report information on your credit card balance on or around that date.
The information reported to credit bureaus should usually appear on your credit report as soon as it's received. However, it can take up to two months (or billing cycles)...
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...
Share your insights and review for the Fingerhut Credit Account
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48%
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3.6
1,019 reviews
1,019 reviews
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tracy @tracyrodean85
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2 Star Rating
Verified Customer
I have my minimum automatically taken out. I often don't think about the card. I don't use it even when they give me unconditional credit increases. I put my extra money into savings and will not use the card again.
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Sundiata @playnogamesover
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5 Star Rating
Verified Customer
It is what it is, they allow you an opportunity to establish a credit history buy purchasing marked up goods from them. By marked up I’m referring to the overpricing they use vs most other retailers. So what f you’re looking to establish some credit and you don’t mind being overcharged for a particular item, Fingerhut is the way to go.
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robert @ramirez5elps
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5 Star Rating
Verified Customer
great it is very help full if you cant afford to buy everything at once.. they make it easy to buy and pay later. fingerhut is great and has been around for many years..
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Naomi @naomik1500
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5 Star Rating
Verified Customer
Worked with me and helped me come up with a reasonsble payment amount monthly so I could pay off my debt. It was definitly worth taken care of!
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Billy Wallace @billywallace031
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5 Star Rating
Verified Customer
Fingerhut wheel let you start out with a low charge but will move you up quickly they are high on some of their stuff but overall products are good and it helps you get your credit started
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Ruby @mysecondlife84
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3 Star Rating
Verified Customer
OK account when you haven't used credit in a while. Great customer service and always able to find something useful for around the house.
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Hiedi @hiediwilson
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5 Star Rating
Verified Customer
Finger hit will improve your credit score rapidly buy reporting payment’s monthly. This creditor has been such a blessing to me when I needed it most.
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Harold @bonsai_az
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3 Star Rating
Verified Customer
Ok starter card for getting credit back up, products have high prices compared to branded sites. Got credit score back up now just keeping it so CCU stays low.
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Terry Jean @msrobinsonterryj
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5 Star Rating
Verified Customer
So far it's great but I haven't used it. Counts new and so far is great, looking forward to becoming a loyal's faithful customer, as well as a long time customer
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Olivia Ahhee @oliviaahhee
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5 Star Rating
Verified Customer
A good way to improve your credit with the Fingerhut card. You can build it in tiers of credit limit. You graduate to a higher limit each time you pay off your purchase.
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