WebBank is an FDIC insured, a state-chartered industrial bank headquartered in Salt Lake City, Utah. It was organized under the laws of the State of Utah in 1997 and operates under federal banking law. Through their industrial bank charter, WebBank offers a comprehensive range of products and services, including checking and savings, business services,?investments,... show more
WebBank Reviews
5
47%
4
17%
3
13%
2
8%
1
16%
3.7
1,647 reviews
1,647 reviews
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WebBank
Not Important @shellylicari227
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1 Star Rating
I was on auto pay for years. My final payment of 50.93 was due on 5/22. They took 3 payments! They finally reversed 2 of them on 5/28. Now they are trying to charge me 13.99 for what they call a 'returned check fee'. Of course no one in whatever country they outsource to understands a thing you say. I will not pay to have my money returned to me. And you know they will just tack late charges onto this already fraudulent charge! So after paying off all my debt, I now have to worry about 13.99 ruining my credit?!
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Product: WebBank Credit Cards
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WebBank
tabitha reynolds @tabithawallace503
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3 Star Rating
Verified Customer
Had no issue with this company I would have gave a 5 star but for the reason I did not is bc when they were going out of business I never received a email or any notification stating there company was closing until it was time to pay bill and the app wouldn't work. But overall they were a nice company. Wish they cld have helped on.
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Product: WebBank Credit Cards
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WebBank
Karen Woomer @karenwoomer674
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1 Star Rating
Karen Woomer, I paid Fingerhut off, yet after paying them, they reported to the credit bureau a write-off, not paid, and I just found out today they did this. Beware of crooked business. I got a letter stating paid in full. They should be investigated for ruining people's credit after payment. Hey Fingerhut, I have my last statement indicating paid in full. Please remove your accusations from the credit bureau; "paid in full" means it was paid.
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WebBank
Tracey Freeman @lynnscontract
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1 Star Rating
Crooks! Closed account; now I can't sign in to make payments, and they are harassing me over past-due payments. I don't give out personal information over the phone! Let me sign in to my account to make payments!
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Product: WebBank Credit Cards
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WebBank
Shannon Bell @jusdreamin1973
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1 Star Rating
Verified Customer
They lied about my credit limit to make my score drop lower.
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Product: WebBank Credit Cards
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WebBank
cynthia simmons @vvsnickersvv
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1 Star Rating
Verified Customer
They hit my credit for items I never received. They told me they had received all the information they needed to remove the debt, and then they put it on my credit. I still haven't received what I paid for several years later.
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Product: WebBank Personal Loans
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WebBank
Karin Rivera McLaughlin @karindla434
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1 Star Rating
Verified Customer
I always make my payments. I pay in advance, and still, they mark you as late. Don't bother with this company; they are a rip-off. Their products break, and they don't offer you a replacement.
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Product: WebBank Credit Cards
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WebBank
Zeth russell @will_15943
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1 Star Rating
I had Fingerhut for years. Six months ago, I received a letter in the mail stating that I would be charged $78 a month for interest, not counting my monthly payments. I made eight payments in a row and still only had $26 in available credit. I'm officially over it; I'm done paying them.
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Product: WebBank Credit Cards
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WebBank
Ricky Ham @harleyridr63
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2 Star Rating
I took out a $6,000 loan, and roughly 10% is held as a service fee, $599.60 to be exact. I understand their purpose is supposedly to help rebuild credit, but what kind of service fee is 10%? I'm consolidating some things, and I'll pay them off quickly.
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Product: WebBank Personal Loans
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WebBank
Jay H Stewart @jays_52
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5 Star Rating
Verified Customer
Fingerhut is great! Great merchandise! They are willing to work with you to improve your credit. I would like a bigger credit line. Jay Stewart
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Product: WebBank Credit Cards
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WebBank
Shellise Coleman @shellise60
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1 Star Rating
Verified Customer
After having Fingerhut for over three years, with all payments on time and automatically withdrawn from my bank account, on June 15th, Fingerhut withdrew $109.40 twice from my account. I am very disappointed. I will not use automated withdrawal again; I will not use the credit available. I will focus on paying off this account in full and closing the account.
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Product: WebBank Credit Cards
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WebBank
chassie Franklin @franklinchassie
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5 Star Rating
Verified Customer
I would recommend Web Bank to anyone; it really helped my credit, so give it a shot as it could help yours too. I give it a thumbs-up. My sister did it, and it greatly assisted her as well—she's getting her down payment on a house, and I hope she does anyhow because I need a place to live. So yeah, I love it; it boosted my credit by 28 points. You can't beat that!
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Product: WebBank Credit Cards
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WebBank
Robert Beiriger @robertandsandy2010
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5 Star Rating
Verified Customer
My available credit limit is now over $1,800.00. Free shipping with a $300.00 or more purchase. Monthly perks worth taking a look at.
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Product: WebBank Credit Cards
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WebBank
jd big @j6660295
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1 Star Rating
They closed my account when I hadn't used it for six months, but it's supposed to be a year. I paid it off in August 2024, and they closed it on February 13th, 2025. Do the math: I had them for three years, and they did this to me. Awful company, I do not recommend it to anyone.
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Product: WebBank Credit Cards
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WebBank
Mahlon Barnes @mahlon_w_barnes
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1 Star Rating
Verified Customer
High interest rates but halfway decent products! Decent customer service but needs improvement. Needs more improvement in returning defective products.
Get answers to your questions about WebBank below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page. Ad Disclosure
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.
To summarize, the Fingerhut Credit Account is a real credit card, but it may or may not be the best credit card for you depending on your needs, qualifications and spending habits.
Yes, the Fingerhut Credit Card builds credit, since WebBank reports your account information to all three major credit bureaus each month. Making on-time payments and keeping your balance low will improve your score. On the other hand, missing payments and maxing out your limit can hurt your credit. Just note that you need bad credit to be eligible for this card in the first place.
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.
What to Consider Before Getting the Montgomery Ward Credit Card
The Montgomery Ward Credit Card is a good option if you're...
The only way to apply for the Fingerhut Credit Account is if you receive an offer. If you do receive an invitation, you can use the information to apply online.
Approval requirements are quite lenient, as you can apply for the Fingerhut Credit Card even with bad credit. But other factors will also be taken into consideration when the issuer looks at your application, such as your income and existing debts.
WebBank offers loans through partners such as Happen Bank (formerly LendingClub), Avant, Oportun and Prosper. WebBank's loan partners are all reputable lenders, though the rates, fees and loan amounts they offer vary. There is no way to get a personal loan directly from WebBank, nor is there any way to guarantee that a loan from one of the partnered lenders will be funded by WebBank, though it is possible. With that in mind, it might...
WebBank is a financial services company that partners with other lenders and a range of popular brands to provide credit cards, personal loans, small business loans, and auto loan refinancing. WebBank also offers deposit banking products, including savings accounts and “time deposits” (basically a CD).
Some of WebBank's credit card partnerships include Fingerhut, Petal, and Yamaha.
Here's some more info about WebBank:
WebBank has been around since 1997, but most consumers are...
To talk to Fingerhut Credit Card customer service, call 1-800-964-1975 and then press 0. This process will get you in contact with a live representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to Fingerhut Credit Card Customer Service by Phone
Call the Fingerhut Credit Card customer service department. You can even use the number on the back of your card.
The Fingerhut Credit Account reports to the credit bureaus once each month, within days after the end of your monthly billing period. Fingerhut reports the card's credit limit, account balance, payment status, and more to TransUnion, Equifax, and Experian.
After the Fingerhut Credit Card reports your account information to a credit bureau each month, it may take a few days before the updates appear on your credit report. When you first open a new Fingerhut Credit Card, you may not...
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...
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.
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Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering
institution. Please let us
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* The information about the following cards has been independently collected
by WalletHub: Fingerhut Credit Account and Montgomery Ward Credit Account.
