Accepted Credit Scores 
Fair Credit, Limited History, Bad Credit
Fingerhut Credit Account
By:
WebBank
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.
Editor’s Take
John Kiernan, Credit Card Editor
Jan 14, 2021
Fingerhut Credit Account Review
The Fingerhut Credit Card is good 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. 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.
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 $18.3 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 16.63%.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.
Jan 14, 2021
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
| Limited time offer: $25 off your first purchase of $100 or more when you apply online and are approved for the Fingerhut Advantage Credit Account. Check website for promo code. |
| 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 |
$40 |
|---|---|
| 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
- Last updated on 1/14/2021
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Customer Questions and Answers
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I got a Fingerhut pre approved credit offer. Is it the real deal? Reply 2617
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.
26
Upvotes
What are the usual requirements for a Fingerhut credit increase? Reply 147
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.
14
Upvotes
Are there other places like Fingerhut for bad credit? Reply 135
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.
13
Upvotes
How do I apply for the Fingerhut Credit Card? Reply 91
WalletHub
@WalletHub
You can apply for a Fingerhut credit card on the Fingerhut website or over the phone. There is no way to apply by mail. To apply for a Fingerhut credit card online, just fill out the online application with your full name, address, phone number, Social Security number, date of birth, annual income, and email address. Once you submit your application, you should receive an instant decision.
To apply for a Fingerhut credit card over the phone, call 800-233-3588. The automated system will prompt you to press a certain number if you’re interested in becoming a Fingerhut customer. This will transfer you to a representative who will help you apply for the Fingerhut credit card.
If you’ve already applied for the Fingerhut credit card and you want to talk to someone about the status of your application, call the Fingerhut customer service line at 800-208-2500.
People with bad credit can get approved for the Fingerhut Credit Account. It’s designed to help people rebuild their credit. The downside is that you can only use the credit line at the Fingerhut online store, but it’s still a cheap way to rebuild damaged credit compared to other unsecured credit cards.
9
Upvotes
How can I reach the Fingerhut Credit Card customer service? Reply 7
James D Richard
@b2bfever
The Fingerhut credit card phone number is 800-208-2500 and they can be reached
Monday - Friday, 8:00am - 8:00pm Central Time. For Spanish, call 800-556-3208.
You can also contact them by mail at:
Fingerhut Customer Service
6250 Ridgewood Road
St. Cloud, MN 56303
7
Upvotes
How much is the starting Fingerhut Credit Card credit limit? Reply 115
@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
What are the Fingerhut credit approval requirements? Reply 197
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.
19
Upvotes
How much is the Fingerhut credit card delivery time? Reply 125
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.
12
Upvotes
Fingerhut Credit Account Video Review
Fingerhut Credit Account Reviews
Share your insights and review the Fingerhut Credit Account.
Dec 27, 2020
I was not approved right away, but now have the revolving credit account. Some of the pricing is high, but not by too much on the larger items as I have done some research. When rebuilding credit, you have to expect as much. I pay off quickly so not worried about interest rates. Paid off 350 purchase in less than 6 weeks. My rating is a 4 because of the CL. I wish the credit limit was higher due to other items such as employment history and annual salary vs the cookie cutter amount they give when moving you to revolving account. Fingerhut should offer enough of a CL to account for larger purchases and to keep your credit card usage low to build credit. Otherwise so far good.… show more
Comment
Dec 07, 2020
Fingerhut threatened me if I didn’t use my card They were going to lower my credit limit i used the card to purchase gifts for my grandchildren on Black Friday I ordered two items they said they were in stock and when I receive the items I only received one. When I called Fingerhut and spoke to the associate they told me they sent two upon check-in they said they made a mistake they only sent one and I’ll be credited for the other one. I asked to speak to a supervisor and they hung up the phone on me I then called back and spoke to another associate, explained the situation she told The item got Lost I ask how did it get lost She stated she didn’t know. I asked how can an item get lost when I purchased it, it said available and I purchased two how come you only sent one now you tell me the item is on back order will just give you a credit this is the worst. I’m putting in a complaint with corporate and also with the credit fair act because I was threatened to use my card if I didn’t my credit limit will be lowered and it would affect my credit score after this I will. Fingerhut can have their card all items are overpriced anyway… show more
Nov 23, 2020
New to Fingerhut but already liking what I'm seeing. The prices are high and interest is outrageous but that's something I knew going into it... Let's face it would i be going through Fingerhut if I had good credit already. I actually think it's awesome they're giving people chances that others won't! I started with a 500 credit score and in two months it has brought it up to 560s . I'm in the fresh start program so I can't wait to see how high I'm able to get it. They seem to be reporting once a month so that's good also.… show more
Nov 06, 2020
Verified Customer
Fingerhut does Not Stand Behind Products. Pay a lot for cheap products and they don't stand behind their products, I would never recommend fingerhut to anyone, and the date starts from the day you purchase not the day you receive the item. Which should be illegal
Oct 25, 2020
4* for Fingerhut 0*For MDWALLER8334 What is your deal? Who do u think u are? people have a right to review with their opinions. that's what reviews are for . what are you the Fingerhut comments police? Worry about yourself & leave us alone. 1 would think you're being paid to be an asshole or did you volunteer your services? You have an awful lot of time on your hands maybe you should get a job instead of getting an opinion on strangers. Every situation is different . How dare you downtalk everyone & put your nose where it doesn't belong.. If u want to keep throwing insults go ahead but it's not getting you anywhere.. I don't know you but I can tell what kind of person u are & that's not a compliment. So shut your face idiot. How do you like being put down… show more
Oct 13, 2020
Verified Customer
If you’re building credit and be responsible using the freshstart program, you’ll be upgraded to a higher limit with more selection. Pay off on time or fast . It helped me to start building credit when options were slim to none. I still am using it , at the higher limit now. Still use responsibility and pay on time !
Oct 10, 2020
Verified Customer
DONT DO IT! I was close to paying off my balance and they decreased my credit limit by $600 and my credit score took a big hit because of it. Rather than rewarding you for paying on time and being consistent, they literally punish you for not spending more money, it’s insane and I can’t wait to pay off the rest of my balance and close this account ASAP.
Sep 17, 2020
Finger hut is a blessing for a second chance and they have just about everything you need they have really helped me out.just remember to keep your spending around 30 to 40 percent below your credit line and make sure you have their payment every month on time and your score will climb pretty fast they`re a really good company and they treat you right thanks again finger hut
Sep 04, 2020
I see all these reviews about being at “400 something credit and getting the Fresh Start program” yet when I apply with 550+ credit that has been steadily going up I get denied for both the revolving credit AND the Fresh Start program. Sounds to me like they just want to prey on the super low credit while leaving others out to dry. Complete BS. Never applying again and recommending against them any time I hear or see their name.… show more
Jul 30, 2020
Verified Customer
I truly loveeee shopping with Fingerhut they have great products and the best part is that with Fingerhut my credit is been increasing.. when I needed a company to help me build my credit Fingerhut was the only one that actually took a risk to allow me to shop with them and open a small loan to be able to shop and grow my credit with them.. I totally recommend Fingerhut if you are in need of growing your credit also you’ll get great products from this company.… show more
Jul 27, 2020
I had to give a star that's why they got a one other wise they would get spit on. This is the worst company, don't ever buy jewelry from them or cooking products. The jewelry will turn in less then 30 days. The customer service is horrible when you try to return it or even exchange it. They will not try to help you. The cookware is even worse. The none stick means it will not stick to the pots just your food. If you can run run from this company. BAD BAD BAD!!!!!… show more
Jul 22, 2020
Verified Customer
Fingerhut is ruining my credit! Don't get me wrong, I paid those high prices for things I could not get because of a low credit rating but now I am trying to pay off some things and rebuild my credit. I have an excellent payment record. This is the problem. Everytime I make a payment, Fingerhut gives me a temporary credit increase and tells me if I don't charge a certain amount by a certain date, they will decrease my credit limit. If I don't use it, they report it to the major credit bureaus as "Credit limit decrease" . This is perceived as a negative by the credit reporting agencies and they drop my credit score. That is an absolute crime! They did this a few days ago and my score dropped 12 points! First of all, I did not ask them for a credit limit increase. I was just paying my bill on time. When I noticed they were doing this, I contacted them and was told that I should contact my credit bureau. What? They should never send this to a credit bureau. Fingerhut is doing too much. They cannot force me to buy merchandise from them just because they increase my credit limit (without my requesting an increase). I tried to discuss it with the credit bureaus with no luck. They make it so hard to file a dispute by limiting the causes, etc. So Fingerhut, I am asking you to fix it. Stop reporting it to the credit bureaus when customers decline your credit increases. Also, I am asking you to get in touch with the credit bureaus and repair the damage done to my credit. Have a good day. Customer xxxx-xxxx-xxxx-4567.… show more
Jul 18, 2020
I like Fingerhut stuff and Fingerhut will help me build my credit Fingerhut is a good store two shot thatI can't wait to get approved through Fingerhut so I can build my credit up and pay everything going time and that I would like to establish my credit anything to help you help me do that I hope that they will approve me
Jul 16, 2020
Verified Customer
They had the nerve to charge me a late fee during this time of job losses exceeding over 50,000,000! I was very angry that they would even consider charging someone a late fee during a pandemic. I am not going to spend another cent with Fingerhut. To date, I have spent over $3,000 on my account with them. They even make their credit line increases dependent on a purchase. Meaning you have to use the same amount of the credit line increase to make a purchase up to the credit line increase amount within 60 days. This alone is unheard of.… show more
Jul 07, 2020
I started off with a $300 limit and after very first purchase they raised my limit to $1200 then i get a message saying that to make my limit permanent make another purchase so i did then i get another message saying to make the rest of my limit permanent mske another purchase me think it was a mistake because i just made a purchase and haven't even gotten my bill for the second purchase so i ignored the message low and behold I check my limit today and they dropped me down to $900 whrn my limit was supposed to be $1200 they're con artists and lairs & im definitely not fuckin with them anymore yes I'm pissed off i don't like bad business and I like lairs even less… show more
12/07/20
Same here I have $3000 credit was told If I don’t make a purchase my limit would be dropped made a purchase said it was available when I ordered it now they say it’s out of stock I’m done
Jun 28, 2020
So I ordered a on 6/1/20 got tv in like a week open box get tv setup and notice back panel has a gap called Fingerhut and they said take it to UPS did that o well we can't ship it so called Fingerhut and o no you have to have the shipping company call you to at up time for pick up so after round and round sent tv back 6/17 /20 have not heard from Fingerhut so I call well you have to fill paper out we can't find it um no supervisor please o well I see it's in wherehouse ok so y have I not got new tv yet well we have to wait up to 48 hours what you mean well we can send you a tv but will charge you for it what you think I have money just growing on trees o well we don't have it in stock so there s nothing we at Fingerhut can do so no I'm paying for something I don't have bad customer service -5 stars… show more
Jun 10, 2020
Verified Customer
I absolutely love my fingerhut credit account. Low monthly payments. Their varieties of all kinds of different things. Their comforter sets for the bed. I baught one amd it came with everything. It rven came with curtains that matched the comfort set to my bed.. i love it. I love the whole store . Very nice and affordable monthly payments. Yall are AWESOMENESS. Thank you
May 22, 2020
Verified Customer
First of all they reported me for something I didn't buy and today closed my account because I tried ordering with a promo code which was unsuccessful and they tried to pacify me with $5 off a $636 item, rediculous
May 17, 2020
Verified Customer
Yeah you can get what you want and you can get some good credit but at the same time the APR is so damn high it’s honestly very hard to pay down if you’re paying month-to-month so if you do pay pay it all at once I messed up and left his account go to collections and settled it for half. Now they want to give me a preapproval I don’t understand why but I will not see me going back to them as I already learned my lesson… show more
May 17, 2020
Verified Customer
They are taking a risk at loaning you money unsecured when you have no/very little/bad credit history, so it should be common sense that their interest would be higher than others that make you have a higher credit rating to even get their card. I dinged them a star because they do "temporary credit increases" with the catch that "whatever you charge during the temporary time" would permanently add to the old limit once the promotion is over, and if you don't take advantage of that promotion, the limit will go back to the previous limit,...which screws with your credit score. Also those "temporary increases" are to try to get you stuck with a high balance because they assume that you will automatically max out your account to get to keep the higher limit.… show more
Apr 21, 2020
Received a letter regarding a credit approval, of which I never filled out. The company did not help me in any way to clear this and pretty much disconnected my phone call and never called me back. I had to keep calling them and they kept putting me on hold hoping for me to hang up. Very bad customer service.
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
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
05/19/20
I had to make an account just to tell mdwaller to suck the biggest fucking dick imaginable. Being a fingerhut dick rider gets you nowhere. You're probably paid by them to trick people into thinking fingerhut isn't the biggest ripoff company. You're as worthless as they are. Fuck you and your opinions, eat shit.
05/17/20
The second payment of the "double payment" that you're bitching about may actually be a good thing, since it would cause your balance to drop, and the interest charges to be less, and your payoff would be earlier as well!
Mar 06, 2020
Verified Customer
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
Verified Customer
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
05/17/20
And how is that Fingerhut's fault? UPS is the one that delivered it to the wrong address, so in reality, IT'S UPS'S FAULT! Call UPS and make a "disputed delivery" claim, and if it goes nowhere, then go to small claims court AGAINST UPS!
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.
05/17/20
High interest charges???? What about the "lack of credit" that you had when they issued the card, and the RISK they took with issuing the credit in the first place? After all, you could always use a regular credit card instead of theirs, OR you could just pay their card off each month with a lower interest visa or mastercard and enjoy a month of "free interest"
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.
01/14/20
Same happened to me last Jan. but was consenstant with receipts and proof with photos. Took like three months but finally got my money back and interest. but was still charge some fees didn't add up.
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.
05/17/20
Then why did you only give them three stars? With your written review, you should have been a four star of five star review
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
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Last updated on: January 14th, 2021 at 04:59
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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.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
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: Jan 14th, 2021 at 04:59 ET