Minimum Credit Score Needed 
Limited History
Editor’s Take
John Kiernan, Credit Card Editor
Feb 3, 2020
Review: Fingerhut Credit Account
Even if you don’t plan on shopping from fingerhut.com’s catalogue, the Fingerhut Credit Card is good for building credit. 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. Even applicants with damaged credit may get approved in some cases.
If you apply for the Fingerhut Credit Account, as the card is officially known, it’s best not to carry a balance from month to month. Such balances will accrue interest at a very high rate: 29.99% .
Keep reading to learn more about what the Fingerhut Credit Card does and does not bring to the table.
Fingerhut Credit Card Review Highlights:
If you apply for the Fingerhut Credit Account, as the card is officially known, it’s best not to carry a balance from month to month. Such balances will accrue interest at a very high rate: 29.99% .
Keep reading to learn more about what the Fingerhut Credit Card does and does not bring to the table.
Fingerhut Credit Card Review Highlights:
- No major fees. The Fingerhut Credit Card, more formally known as the Fingerhut Credit Account, is quite unique among unsecured credit cards for people with bad credit in that it does not charge annual-, monthly- or one-time fees. That even makes it $19.46 per year cheaper than the average credit card overall, according to WalletHub data.
- Great way to rebuild credit. Given its low costs and the fact that you can get approved despite bad credit, the Fingerhut Credit Card is a great tool for inexpensively rebuilding your credit standing. It doesn’t even matter if you know what Fingerhut is, let alone have plans to shop there. Because you don’t actually need to make purchases for a credit card to add positive information to your credit reports each month. And if you do make purchases with your Fingerhut Card, just make sure to pay your bill on time. You can track your progress using WalletHub’s free daily credit score updates.
- Interest rates aren’t so hot. If you have bad credit, you probably shouldn’t be spending more at Fingerhut than you can afford to repay in a single billing period. Besides, doing so would be quite expensive, considering the Fingerhut Credit Account’s APR. For context, the average secured credit card charges 18.20%.
- Won’t provide much of an emergency loan. The Fingerhut Card won’t do you much good if you need an unsecured card to use for emergency expenses. After all, it only lets you make Fingerhut purchases. So it’s best as an alternative to a secured card for people whose top priority is credit improvement.
Feb 3, 2020
Fingerhut Credit Account's Key APRs & Fees
| ONE-TIME FEES |
|---|
| None |
| ANNUAL FEE |
| $0 |
| MONTHLY FEE |
| $0 |
| REGULAR RATE |
|---|
| 29.99% |
| GRACE PERIOD |
| 24 days |
Fingerhut Credit Account's Highlights
| Enjoy payments as low as $6.99 per month if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit. |
| Easy application! Get a credit decision in seconds. |
| Build your credit history – Fingerhut reports to all 3 major credit bureaus |
| Use your line of credit to shop thousands of items from great brands like Samsung, KitchenAid, and DeWalt |
| Not an access card |
| *See complete WebBank/Fingerhut Advantage Credit Account Terms and Condition. - https://www.fingerhut.com/content/FHTCreditTC |
Fingerhut Credit Account's Additional Info
| MAX LATE FEE |
$39 |
|---|---|
| MAX OVERLIMIT FEE |
None |
| MAX PENALTY APR |
None |
| FOREIGN TRANSACTION FEE |
N/A |
| SMART CHIP |
No |
-
CASH ADVANCE APR
N/A
-
CASH ADVANCE FEE
N/A
at WebBank's secure site
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Customer Questions and Answers
Don't see what you're looking for? Submit your question about Fingerhut Credit Account to our community.
I got a Fingerhut pre approved credit offer. Is it the real deal? Reply 2515
WalletHub
@WalletHub
Getting a Fingerhut pre-approved credit offer means you have a roughly 90% chance of being approved for the Fingerhut Credit Account if you decide to apply. You will only receive such an offer after the account’s issuer – WebBank – has done a harmless soft check of your credit and determined that you meet the basic eligibility criteria. Even if you have no interest in shopping at Fingerhut, which sells goods online and through a catalog, you still might want to apply. Despite its somewhat unusual name, the Fingerhut Credit Account is just like any other store credit card in the sense that it reports account information to the major credit bureaus each month. That means whether you make purchases and pay your bill on time every month or never actually buy anything, the Fingerhut Credit Account will help you improve your credit score.
You don’t need to get Fingerhut pre-approval before applying, though. And even if you have bad credit, your odds of success are still pretty good. Fingerhut is one of the easiest credit cards to get that doesn’t require you to put down a refundable security deposit.
So pre-approval isn’t a prerequisite. But it’s definitely nothing to worry about, either. Pretty much all credit card companies send out pre-approval offers. And getting one from Fingerhut could be your ticket to a higher credit score. That’s why it’s important to know what it means and how to react. And to help in that regard, we’ll summarize what you need to know below.
Here’s how Fingerhut pre-approved credit offers work:
- You Have to Be Invited: You can’t just go and check whether you pre-qualify. The only way to know you’re pre-approved for Fingerhut Credit is to receive a letter from them.
- You Can Apply by Mail or Online: Either complete the paper application included in your pre-approval letter or enter your “Pre Approved Customer Number” at the top of Fingerhut’s online application.
- There’s a Consolation Prize: If you don’t end up getting approved, Fingerhut might offer you a place in their FreshStart program, where you get an installment loan for a Fingerhut purchase. If you pay it back on time, you graduate to a credit account.
So in conclusion, the Fingerhut Credit Account is already pretty easy to get, receiving a pre-approved offer means your odds are even higher than usual, and getting approved is the first step toward rebuilding your credit. The account will help even if you don’t make any purchases.
If you’d like to see your credit status before applying, you can check your latest credit score for free on WalletHub, the only site where credit reports and scores update daily.
25
Upvotes
What are the usual requirements for a Fingerhut credit increase? Reply 115
WalletHub
@WalletHub
You can’t request a Fingerhut credit increase, unfortunately. But Fingerhut may give you one if you consistently pay your bills on time and improve your credit status. Fingerhut will keep tabs on your payment status and overall credit standing and may increase your spending limit if you manage your current financial obligations responsibly. If you’re granted a Fingerhut credit increase, you’ll be notified through mail and/or email.
Although you can’t just ask for a higher limit, there are a few steps you can take to improve your chances of receiving a Fingerhut credit increase. We’ll highlight them below.
Here’s how to get a Fingerhut credit increase:
- Always pay on time. This is the most important element. Consistent on-time payments are the key to getting more buying power and improving your credit score. And late payments will immediately disqualify you from an increase.
- Pay more than the minimum. If you make more than the minimum required payment on your FingerhHut Credit Account each month, you’ll not only improve your chances of a limit increase, but you’ll pay less interest as well.
- Rebuild your credit. This includes lots of activities, like paying down any debts you have, only using around 30% of any other credit lines and saving money for emergency use so you don’t fall any further behind. You can also sign up for a free WalletHub account to get access to a personalized credit analysis, which will tell you what to fix and how long it will take.
If Fingerhut decides to increase your credit limit, they will send you an email, mail you a letter or both. You should have increased buying power right away. It’s also worth mentioning that some users report being offered a temporary credit increase that becomes permanent if you make a big purchase. But there’s nothing about that on the Fingerhut website.
Finally, if you qualify for a higher limit with Fingerhut, you might also be able to get a card with better terms that you can use anywhere, rather than at a single retailer. Just keep that in mind.
11
Upvotes
Are there other places like Fingerhut for bad credit? Reply 34
Joyce Brown
@blackhole1
There are no other places like Fingerhut for bad credit. The Fingerhut Credit Account is an online store credit card marketed to people with bad credit. You can only use it for Fingerhut purchases, but it is one of the easiest store cards to get. By comparison, you’ll need at least fair credit to qualify for a store credit card from most retailers, including Amazon, Target and Walmart. And the Montgomery Ward card accepts people with bad credit but won’t help you build credit because it does not report to the credit bureaus.
While there aren’t any other places like Fingerhut for bad credit, there are even better options. Several credit cards are co-branded with a merchant but usable anywhere, and they’re just about as easy to get as the Fingerhut card. For example, the Aeromexico Secured Card offers a $99 Companion Certificate each year when you pay the $25 annual fee. It also gives 2 miles per $1 spent on gas and grocery store purchases and 1 mile per $1 spent on all other purchases. There is a $300 minimum security deposit ($5,000 maximum) required to open the account.
There’s also a co-branded unsecured card for bad credit, the Official NASCAR Credit Card. It offers 2% cash back on purchases at NASCAR.com and 1% on all other purchases. The annual fee is from $0 to $75 for the first year, and up to $99 every year after that.
3
Upvotes
What are the Fingerhut credit approval requirements? Reply 196
WalletHub
@WalletHub
Fingerhut Credit Account’s approval requirements aren’t public – at least not the specifics. You’ll need 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. But this much is clear: The Fingerhut Credit Account is one of the easiest “credit cards” to get approved for, and it can help you improve your credit standing if used responsibly. You even have good odds of getting it if you’ve made mistakes in the past, as Fingerhut accepts applicants who have bad credit. “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.”
So you don’t need any particular score to get the Fingerhut Credit Account. There are a few situations where Fingerhut will have to say no, though. Being in the middle of bankruptcy is one. But there are more.
Here are the Fingerhut Credit approval requirements:
- 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 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 Account. The FreshStart program doesn’t report to the credit bureaus, but the regular account you’ll get afterward does.
So a Fingerhut credit account is easy to get approved for and it’ll help you rebuild your credit. And to top it off, there’s no 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, a good option might be the OpenSky® Secured Visa® Credit Card, because it doesn’t even do a credit check.
And 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.
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Upvotes
How much is the starting Fingerhut Credit Card credit limit? Reply 114
@dj_jones7438
Your Fingerhut credit card limit will depend on your creditworthiness, income and debt.
I started my account 3 and 1/2 years ago and moved on to the next step.
My credit limit was like $300 and now it's $3,000. If you make purchases and then make your payments on time, you're on the right track.
11
Upvotes
How much is the Fingerhut credit card delivery time? Reply 83
Tiara James
@tiarajames
You should be able to get your Fingerhut credit card within two weeks from approval. If it's any longer than that, give them a call.
8
Upvotes
How can I get a Fingerhut credit card cash advance? Reply 53
DONNAE PIERCE
@PIERCE_DONNA
You cannot get a Fingerhut credit cash advance. They simply don't allow it.
Anyway, credit card cash advances are extremely expensive. If you absolutely need a cash advance, you can look up lenders online, but even those tend to have predatory rates. I'd go to a reputable bank and ask about a loan. That seems the smartest.
5
Upvotes
Can I use my Fingerhut credit card anywhere? Reply 41
Shadow Banker
@shadowbanker4
Fingerhut credit was designed to be used for Fingerhut merchandise which accounts for more than 450,000 products, including the brand names like Samsung, Dyson, Skechers and KitchenAid. You'll find electronics, jewelry, shoes, furniture and decor items. However, an additional feature of the Fingerhut credit accounts is the chance to use spending power outside of Fingerhut’s catalog and website.
Among the select partners that honor Fingerhut credit accounts are florists and insurance companies. These partnerships change, and Fingerhut will notify you of your eligibility to participate once your credit application is accepted.
4
Upvotes
Fingerhut Credit Account Video Review
Fingerhut Credit Account Reviews
Share your insights and review the Fingerhut Credit Account.
Mar 29, 2020
Seen these so-called "offers" of theirs... High interest rates and garbage quality merchandise which is obscenely over priced.... Anybody who thinks this is a good option deserves to get ripped off which is exactly what they will do. Keep in mind also this "credit offer" is only for their merchandise and nothing else so my recommendation would be to join your local credit union instead and let them help you build up your credit with lower interest rates.... That is what they are there for unlike these clowns...… show more
Comment
Mar 21, 2020
It should be against the law for interest rates to be that high. Loan shark tactics. I hope the federal government put them out of business once and for all. What thay are doing is destroying America.
Mar 16, 2020
Took a double payment, advised me it will take a minimum of 12 to 14 days to.issure a refund. Refused to.put a manager on the phone. They then said there is nothing more they could do. Redusing to allow this trasaction to escalate
Mar 06, 2020
Terrible customer service. They failed to communicate with me about my account and screwed up my credit. STAY FAR AWAY! Everything is x2 the price and if you ever have any issues with them it will not get resolved
Mar 03, 2020
Bottom line, listen to all these people telling you to STAY AWAY FROM FINGERHUT. Everything about them is sketchy and predatory and the customer service is awful. All their items are priced double what u can find them for on other sites, plus the high shipping fee. Thank god I never ordered anything and cancelled my account before ever having to deal with the horror stories I am reading here. Even cancelling the account was a hassle and it took weeks because they had to mail me a check for $30 to refund the sign up fee. Awful predatory company that victimizes ppl with bad credit. There are def other options. I highly recommend Self. They give you a "loan" of whatever amount you choose but you don't actually get any money. You just pay into the loan for 12 months and after that they refund everything you paid except for their small service fee. They report to all 3 credit bureaus for all 12 months and if you pay on time, your credit score goes up. I've made 3 payments and my score has gone up from 540 to 589. If I get over 600 im going to take out another Self loan. Just google it, it's great. There's also the option of a secured credit card but nobody likes security deposits, right?… show more
Feb 16, 2020
I been with Fingerhut for almost. Pro it can help your credit. Cons poor customer service and pay double for the merchandise. My question is after 2 years my phone number was no good but I'm calling them from it. I paid a down payment for new order and it cleared my bank and they got paid they cancelled my order and told me that the payment was pending on their end even though money was taken from my account takes up to 48 hr to banks to clear order I'm at 72 hr and they want another 48 hr for theirs to be done pending even though they got paid. So my frustrations are that they are not understanding it feels like a wast of time I spent time on their site to find something to order and time wasted on the phone they want me to wast even more time to prove my phone number by sending a bill by mail or fax even though my phone bill is paperless. So my recommendations is for them to fix problem with system makes it seem like customer can be taken advantage of. And make it more customers friendly. Better customer service. I cancelled my membership their are other places that can help with challenge credit you can order from with less hassle. A email to problem would have been nice letting me know their was a problem would have been nice at least instead of me calling you and getting frustrated would have been nice.… show more
Feb 12, 2020
I purchased a mothers ring for over 2 hundred dollars and a stone fell out within 3 months and they wont fix it!!! Horrible customer service if you ask me! I will pay off my card and order nothing more from them! Rip off!!!!!!
Feb 11, 2020
Applied and got approved for $700 limit. Purchased a item for $50. I made one payment and they raised my allowance up to $1,100. Prices are high along with shipping, but people need to realize, it’s bettering their credit score.
Feb 10, 2020
I have filled out the online application, they gave me a number to call to finish the app, I called then they directed me to another department, I called I was then given yet another number to call which was already closed by the time I got done calling all over the place. Im wondering if that means I'm not approved? I received a letter from Fingerhut months ago about catalogs and becoming a customer and I had forgotten about the letter which has probably been thrown away. ?I seen so many nice things online.… show more
Jan 31, 2020
UPS clearly delivered my package to the wrong address. My house is in Houston and UPS shows delivered to KATY, Texas! No where near my house, yet the credit card won’t issue me a refund and is charging me $500+ for the item regardless that I didn’t receive it. This company is garbage, don’t deal with them. UPS tracking number 1ZX6W3610313309251
Jan 11, 2020
I like Fingerhut very much. They are not reporting my payments which I have proof of on my debit card and on their site also. They are awesome, very polite and courteous. I had a problem with one representative and I had to speak to the supervisor about my last order, the supervisor straightened it out. I hope it doesn’t happen with my next order. Overall I love them
Jan 10, 2020
Worst principles on the planet. High price, interest and will fleece you at every turn. Especially with their codes. They have no interest in the people on the other end of the card. They use preditory tactics as their main practice.
Jan 03, 2020
They have exorbitant shipping costs, their prices are overinflated. I pay all of my bills electronically so I rarely view statements. After noticing my balance wasn’t decreasing as much as it should’ve been, I viewed my statement and discovered that they had assessed late charges to my on-time payments 3 months in a row!! They credited it back to my account but what if I hadn’t checked? This company preys on those who are experiencing credit issues. They are NOT part of the solution. There are several other credit cards out there that help you build credit and they are much more reputable. I canceled this card. DO NOT APPLY FOR A FINGERHUT LINE OF CREDIT!!!… show more
Jan 01, 2020
Been a customer for awhile and have good credit with them but they are starting to be dishonest on returns. Going through hoops trying to get refunded on item returned. Returned 2 items in same box and they refunded one and saying never received the other. wow! Don't see how when they were together. Id think twice on ordering.
Dec 06, 2019
Verified Customer
I really enjoyed this it took my credit from 449 to 555 I really think it's good to have them you can shop and build your credit at same time I would definitely recommend someone to get this card it is very helpful and it really help to build your credit and it really helped me to see results I have seen results in only 2 months it has brought my credit score up from the fours to the fives I really enjoyed FingerhutI'm very impressed with everything that they have done for me I think I have made a better choice by choosing Fingerhut… show more
Nov 25, 2019
This company has the worst customer service EVER!!! Asking for someone in English, no......they have people from middle East that I barely understand. In Spanish, even worst!! And on top of that VERY RUDE!!!!
Nov 22, 2019
Verified Customer
I've never had a pro lem with Fingerhut. I've ordered several things from them, including my favorite thing....a double-decker dish drainer. Love it. I would definitely recommend Fingerhut and i would love to order from them again in the near future.
Nov 20, 2019
Zero rating . They have the worst customer service on planet earth. I called in for a credit card application and the agents do not even know hpw to navigate the syatem to elicit correct information .they sound tired and frustrated and they took it out on me. They dont have customer sevice that helps , they have a customer service that kills morale . I will never recommend FInger Hut. Never ever .
Nov 08, 2019
DO NOT get an account with Fingerhut!! They will sell you fraudulent items and steal your money! Worst experience ever! They sold a ring that was only worth $34 for $100+ . The diamonds fell out. Of course we knew it was supposed to be cubic zirconia but I doubt that was even it. We will happily send the ring back and at this point just want to close the account. Why should we pay for a ring we can't even use. Fingerhut is trash.… show more
Nov 07, 2019
i have so many useful items i could not afford to buy, and all of them work great! i really recommend the small washer and dryer..i love them! i clean my floor with a vaccuum from fingerhut and even sleep on a fingerhut inflatable bed!
Nov 02, 2019
too bad there is no option for a zero star review. i would advise anyone to not use this company. the order i placed was cancelled, the other order was shipped to a different state, there is a charge on my account now which i have no intention of paying as i received absolutely nothing from them. i closed the account, removed all my payment information, and will never do business with this company again. the items i had ordered here are twice the cost of other companies. if you are looking to build credit research other ways to do so. this way is a huge mistake.… show more
Oct 23, 2019
I cant wait to pay off my balance. I will never use fingerhut after. Your balance never seems to go down, even when you pay a little extra. I found out its because you will pay more in interest. I was late one day and that was another $39, so called for friendly service. Overall you will pay more for what expect. Dont do it. Also they will increase and decrease your limit, which will jackup your credit. The positive reviews on fingerhut I believe were made up.… show more
Oct 09, 2019
Easy approval and transactions. Affordable payments. Great variety!
Generous initial credit offer as well. Quick arrival time for my 2 beautiful autumn orange Rachel Ray stockpots! Although I DID order 1 red and one orange, I was thrilled as I opened the box to see the beautiful fall shade of orange!
Generous initial credit offer as well. Quick arrival time for my 2 beautiful autumn orange Rachel Ray stockpots! Although I DID order 1 red and one orange, I was thrilled as I opened the box to see the beautiful fall shade of orange!
Sep 24, 2019
After many years of paying cash and not really having any credit for many years, I started building up my credit and received credit with Fingerhut. They are great for people who have little to no credit and are trying to build credit. However, if you can get credit elsewhere, please do, as their products are extremely overpriced and you pay for these things 2 or 3 times over.
I just recently sent my entire order back that was total junk, and they can't seem to find but only 1 thing out of the entire order of 4 things that I sent back in 1 box. So now I am having to fight with them to get a refund on the rest of order.
Plus be careful as they will send you a notice they raised your credit limit, and then turn around and reduce it even if you order.Even if everything you have ever purchased from them was paid off and paid on time.So be aware of their "practices."… show more
I just recently sent my entire order back that was total junk, and they can't seem to find but only 1 thing out of the entire order of 4 things that I sent back in 1 box. So now I am having to fight with them to get a refund on the rest of order.
Plus be careful as they will send you a notice they raised your credit limit, and then turn around and reduce it even if you order.Even if everything you have ever purchased from them was paid off and paid on time.So be aware of their "practices."… show more
Jul 06, 2019
Fingerhut gave me credit when other lenders would not. Im building credit and it takes time. I pay my bills on time and fingerhut noticed the good on my credit report and gave me a chance. Thanks fingerhut
Jun 25, 2019
I started the freshstart program and made 4 out of 6 payments before my due date. I got set back on the 5th payment due to my check coming in late. I spoke with a customer service rep for a extension and it was granted. I was told there would NOT be a late fee and it would count as a regular payment day. On the agreed payment date i was charged my minimum payment plus the late fee. A day or 2 later i was also charged the rest of my balanced owed without knowing so. I just received a letter stating that due to late PAYMENTS i did not qualify for the next program and i would have to start the freshstart program all over. This is not the way to conduct business especially when someone is actually doing their part as a loyal customer who wants to continue service but is denied. I could understand if there were numerous amounts of late payments. I would like someone to reach out to me about this matter.… show more
May 30, 2019
Due to a glitch in Fingerhut's system, they over took 300$ when making a $35.00 payment. I thought it would be a simple process but, instead we are going on two weeks without a refund. The 1st rep said 3-5 business days, then i received an e-mail saying it could be 11-14 business days and then another e-mail stating it could be 30 business days for a refund. Requested a supervisor and waited almost 3 days and no one called. Finally got a supervisor just to be told the refund processor is a 3rd party and there is nothing they can do about it. Then requested the corporate office number which by the way is 952-656-4376 and was met by a receptionist who asked for a name of who I needed to speak to, which I told her I was not provided that and she said well this is a 3 party company and i would need a name, I then said so not only has fingerhut taken my money but, now I can't even file a complaint to which she hung up on me, I called back she hung up on me again. I called back a 3rd time and she sighed and said as i stated i need a name. I called fingerhut to speak to another supervisor who then said they cannot transfer me or provide a name for who I would need to speak with, contacted the corp office again and she sent me to an executive rep customer service who did not answer. That was 4 hours ago and still have not heard anything back. I would recommend never using this company, as they don't take ownership nor do they have any sympathy for their issue. I am at a lost and don't know what else to do. If you need to buy things on payment plan, use HSN or one of the other places. Fingerhut, also over charges for shipping and for the item its self. An item that is normally $50 like a tablet, is $100 on there. Hope this helps.… show more
May 01, 2019
They take money out of my account for payments that I have not approved I told them they can take payments of 30dollars a month. But they take out not only that amount but also what ever amount they want to take out I never approved a payment of $213.00 on April 6th but they took it out of my bank account also in March they took out 159.00 twice and they have not reimbursed me yet for all those unauthorized payments. All I can say to everyone don’t use Fingerhut what they are doing is illegal.… show more
Mar 25, 2019
I never had a problem with Fingerhut as I paid my bills on time and bought mostly electronics from them since 2012... About CL raises, they will give you raises every 6 mos but you have to buy the amount they are offering you.. For example, if you get an 1K CL raise it is temporary unless you buy 1K or less of merchandise to keep the raise... I started at 300.00 and now I’m at $4200.. Very high APR so what you buy you gotta avoid keeping a balance!… show more
Mar 11, 2019
My score was in the 400 when I applied and got approved for the fresh start program. I paid by bill and was given a Fingerhut credit card. My score is now a 630. I make weekly payments and try to pay the balance of within 30 days. I got my card in January and my credit limit is $300.
Dec 31, 2018
Ordered an item on Saturday afternoon. Emailed to cancel it over the weekend and called on Monday morning first thing to cancel it. They said they cannot. When I called in the first lady (American) put me on hold and hung up on me after 5 minutes of hold. The 2nd time I called in Ron said he would put a request in but couldn't guarantee it and there was no way to know if it would cancel. I ordered this item on Saturday afternoon and called in at 7:30am on Monday morning Mountain time, and you folks can't do better than this?… read more… show more
Dec 21, 2018
Fingerhut is in the business of helping people with bad credit get back in good standings. Yup their interest rates are high and their merchandise is not exactly priced at what you think it should be but at least some one threw a dog a bone. Because of fingerhut i just got approved for my first credit card in a while. Just buy one thing at a time and dont go crazy and your all good.… show more
02/16/19
My first purchase was an Adidas shirt. Even after the promo code, when all was said and done, I had a balance of $33.00. If you think that's an outrageous price for one t-shirt, I challenge you to think of the last fifteen t-shirts you've purchased. I bet you none of them helped build your credit.
Dec 19, 2018
Wont do credit increases. Have had this card for 2 years with only one late payment and that was within the first 6 months i had it. Paid it off twice and all my payments are made 12 to 14 days berore the due date. No complaints with Fingerhut itself, fast shipping, great products, friendly customer service. The problem is with Web Bank!!! It sux!!!
Dec 18, 2018
By far the worst customer service experience I've ever had. Placed my order on 12/13 they took my down payment and then canceled my order when I called to figure out what happened they continued to tell me that they didn't receive the payment which was bs because my bank account showed otherwise. There are very few people who speak English there hard to understand them and when they get frustrated they just hang up! I've called several times to get this sorted out and they keep saying there is nothing they can do! Save yourself from the hassel of this place. They don't care about you or your order even the supervisor is useless. So here we are a weel before Christmas and I still don't have answers and probably won't receive my packages. Way to go fingerhut. If I could give 0 stars I would.… show more
Dec 16, 2018
Terrible and my payments never apply towards my balance. No one ever answers me on where my money is going but if I don't make ant payments they immediately hit my credit score after 1 late payment. Do not open an account with them! Ever! Save yourself the headache and stress.
Oct 03, 2018
Fingerhut raises and lowers credit limits for different holidays in hope you will spend more. It shouldn't negatively impact a credit score when they do it repeatedly. If at times with an increase if you don't buy anything they bump it up again.
Sep 19, 2018
It showed when my mom signed into her account,that she had a credit limit she proceeded to place an order and was showed an icon that she needed to contact customer service to update and review her account. As she had not recently used the account. She called was refused to speak to a supervisor,after about 20 minutes and a very disgusted customer rep she was handed over to a supervisor. They proceeded to tell her that she had closed her account in December 2016. The date itself proves that my mom did no such thing because it was only 4 days before Christmas the only thing she was worried about was the holidays and getting through them. She tried to tell them that it was not her, they proceeded to the tell her there was nothing that could be done because her account had been closed as she questioned why she was able to sign in with her old account information and why it had the available credit showing. she told her that she is more than welcome to call back and 7 business days from today and they would then take her application over the phone. Really wish we knew how to contact webbank!… show more
Sep 19, 2018
omg I called 16 times and each time I got a foreign representative on the phone that I couldn't understand and who did not understand me that was the worse experience. I asked for an American representative and was told to call back the number until i get one... I was giving them information they kept repeating over and over misspelling what I spelled 5 times and explaining things I couldn't understand OMG that was HORRIBLE initially I wanted an account to begin ordering but after all I just went through to get to someone I understood and understood me I am so NOT INTRESTED!!! obviously the one star is there bc 0 was not an option.… show more
Aug 14, 2018
My bill was due on the 13th I paid it at 6am on the 14th I was charged almost 30 dollars for late fees never missed a payment and this is what I get about to pay my balance off and never order from here again
Jul 23, 2018
Not able to provide utility bill........and don't have driver's license. Cancelled application........I ended a 20 year relationship with Fingerhut in 2010, and was willing to give them another try....Never again!
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Last updated on: February 3rd, 2020 at 05:15
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WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Feb 3rd, 2020 at 05:15 ET