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 Card pre-approved credit offer means you have a roughly 80-90% chance of being approved for the Fingerhut Credit Account if you decide to apply.
• Credit score impact: You will only receive such an offer after the account's issuer has done a harmless soft check of your credit and determined that you meet the basic eligibility criteria.
• Why to get the card: Even if you have no interest in shopping at Fingerhut, which sells goods online and through a catalog, you should still consider applying. The Fingerhut Credit Card 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 Card will help you improve your credit score.

You don't need to get Fingerhut Credit Card pre-approval before applying, though. Also, even if you have bad credit, your odds of success are still pretty good. Fingerhut Credit Card 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. Plus, getting one from Fingerhut Credit Card's issuer could be your ticket to a higher credit score. 

How the Fingerhut Credit Card Pre-approval Works

1. 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 Card is to receive a letter from them.
2. 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 Credit Card's online application.
3. 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.

In conclusion, the Fingerhut Credit Card is already pretty easy to get. But receiving a pre-approved offer means your odds are even higher than usual. Plus, getting approved is the first step towards rebuilding your credit. The account will help even if you don't make any purchases.

If you don't know where you stand, you can check your credit score for free, right here on WalletHub. 

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...

You can apply for a Fingerhut Credit Card either online or over the phone at (800) 233-3588. There is no way to apply by mail. 

Here's how to apply for a Fingerhut Credit Card:

• Online: To apply for a Fingerhut Credit Card online, fill out the online application with...

The Fingerhut Credit Card phone number for customer service is (800) 208-2500. Alternatively, you can reach them by email at  [email protected] or by regular mail.

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...

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....

You can cancel your Fingerhut Credit Card by calling 1-800-208-2500 or by sending a written request to WebBank at:

WebBank
Fingerhut Credit Account Services
P.O. Box 0260
St Cloud, MN 56395-0260

Remember to also cut your card in half and send it back with your cancellation request.

Keep in mind,...

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...

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.

Key Facts About the Fingerhut...

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...

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...