Fingerhut Credit Account

It only let's you but the substandard and overly priced items from they website. It's like buying dollar store items for 5 times as much. And they charge shipping per item. Stay far away unless you're going to use it like I do and find something stupid once a month under 20 just to keep the available credit on your report.

I am 28 and never had a credit score, but thanks to Fingerhut(a company I forgot still existed), I managed to get approved for their store card and then get a credit score a month later. My only three complaints are that...

1) The product prices on Fingerhut are well above the retail price of the products elsewhere.

2) The products to choose from are very limited

3) Their website doesn't update you on the "Minimum Amount Due" or the "Due Date", so you'll have to call Fingerhut for that info since their webmaster doesn't know what in the heck he's doing.

If you have this card and fall behind on your payments. web bank will turn you over to midland collections (finghut owns them) and they will take you to court but they never give you a date to apper so they get a default judgment then the sweep your bank accounts... Do your self a favor and pass on the finghut card.

This card is great if you are building or rebuilding your credit. I just make small purchases and pay it off quickly. I believe the key to avoiding the intrest rate is to pay weekly. I purchased a laptop and I make my payments weekly so I never pay any fees..Good luck

Probably the worst company I've ever had to deal with. They offer NO solutions when their customers are dealing with an issue, even when it's the company's fault. They over charge for items which would be okay to overlook if they actually cared about their customers and honored the expected delivery dates. I'm completely unsatisfied with this company and I will be canceling my account with them. NEVER sign up with this company.

Approved with 575 score for $400 when no one else would. With responsible use, I recieved multiple increases and now my credit limit is $1600. Thanks Fingerhut for giving me a chance.

Started out at 500 and now I am at 2300 after a year

Customer Service is a joke. Even though creditkarma raves about the wonders this can do for rebuilding credit, DO NOT DO IT. It's not at all worth it. They have no mercy for life's mishaps, which may limit ability to pay on time. Even if you're a day late, they charge you. Everything Fingerhut has is outdated or cost THREE times as much as the original price elsewhere. Intrest fees are ridiculous. Customer service sucks. Has no solution for anything. I called to push my payment due date back by two days (first time ever) and was informed that it would take TWO billing cycles and I would still be charged a late fee. Pathetic. Never do I ever have any problems with any of my other credit companies. Definitely regret this inquiry.

I see a lot of reviews tearing down this card down when its really the owners that are ****ing idots. Of course things cost more then there is intrest on them. I've had it a little over a year and my credit score went from 369 to 723 so don't let these fools tell you it's not worth it, like every credit card you need to be smart with what you buy.

I applied for this card it was approved for a $300 limit I thought great this should help me balance my debt to income ratio.. we had a family emergency come up so I did not use the card in the first 90 days of receiving the card next thing I know I got a letter from the bank telling me they cancelled my card really people do not recommend applying for this.

I love this credit line. I had a Fingerhut account years ago and that account same as the rest of the credit cards I had were all closed and reported as charge off. I had an accident and I was unable to move so therefore I couldn’t work or pay my bills. Now after 6 years I tried Fingerhut and even though I have a $1700 charged off account with them... they gave me another chance about a month ago and today I got an Ema stating I earned a credit limit increase. Way to go Fingerhut! And thanks for giving me another chance to rebuild my credit!!! 

These items are ridiculously overpriced. I regret wasting an inquiry for it. I keep it but never use it. My line is 1200 or so.

I have had this card for 3 years now, I charged around 675 and I have been paying that off for 2 years the interest rate is outrageous!!!!! And the product is over priced. Don’t spend anymore than 3 hundred 

If you handle your account responsibly, and that means pay on time. You will build your credit in no time. Received 2 increases within 6mons, started off at $300 and now at $1,100. The key is not to go overboard, spend moderate just to keep the account a float with a low balance.

Disappointed cards-offer recommended this card. You can only use it on their website and prices are high.

Everything they sell is overpriced and if that's not bad enough they charge interest on top of that. Abomination to God greedy lowlife company they prey on the poor.

I used this card to help increase my credit score

The

Fairly easy to get CK says very good usually approves  may require additional information suck as;  a copy of your Driver License and or SS Card 

I applied and got this card when it was originally Berkshire and i got it fairly easy. No credit pull. Put down $500. You have to pay your due date around 10 days early and payments take that long to hit your availble credit. Got it when my scores hit rock bottom around 530 and gave me a 52 point boost I. One month. Pay on time and it will do what it says for rebuilding your credit. Customer service is terrible now that the company was brought out by Green dot. It was great when it was owned by Berkshire. My experience with Green dot came about when my CC expired July 31st I was on a project outside of my home state and needed he card sent to me in California 7 customer service reps , 5 supervisors and 1 hour and half conversation with the fraud department and 4 lost credit cards sent to the wrong address (my home address despite me confirming each and every time. So customer service, a joke. 

If you pay on time your credit score will sore. Pay late and it will destroy your credit like Ebola Virus. I love it!

Awesome way to rebuild credit. I've already had 2 credit limit increases. In less than 2 months. Great products on real nice payment plan. Great and Awesome Customer service. Incredible way to rebuild your credit. Thanks Fingerhut.

Started off with $130...a year later I'm at 1600 with increase credit score of 60+.

For people who are trying to establish credit or rebuild credit, this may be an option. However, for others who have access to other lines of credit, I would not recommend this at all. The prices of the items on Fingerhut site are way overpriced, and then you'll you pay high interest rate for the the line of credit. So they literally get you coming and going. The positive is, they do report to all 3 bureaus. If you're trying to rebuild or establish credit this option may help you, but you're literally going to pay out the Wazoo you to do so.

With credit scores in the upper 400’s this is the only card I wasn’t denied for! I’m very satisfied with everything about this card and I’ve had it a few months. Credit Karma said my approval was “poor” but on ALL the ones they approved I was denied for!! 

Awesome customer service. great quality stuff. great credit building. they are quick to reward you.

I've had this card for over 3 years now. The Pro's to this card is that if your credit is poor to start with and you need to buy stuff for your home but can't afford to buy it outright they are good in that area because you will able to get what you need when you need it. I've kept it around for this reason, because sometimes I still need something but I am short on cash at the time. 

The Con's - Great card as long as you NEVER need to cancel and order. I just placed an order on Saturday night and tried to cancel it Sunday morning and was unable to as an end user, I had to call their so-called customer service line to try to cancel the order, which they "claim" they canceled it but I got no confirmation. So now that item that I ordered that I found out was NOT what I wanted, I will have to pay for shipping, then I will turn around and have to pay a re-stocking fee and return shipping. This is horrible, since the item has not even been shipped yet. 

Shipping rates and prices. Since they are targetting people who have limited means to pay cash for their items they are buying they are taking full advantage ot it. Most items have at least a 30% markup on them compared to buying on-line on other sites or in-store. Shipping charges are high too, they have some of the highest I've seen. Providing on how much business this company does, you would think they would be able to pass some savings on shipping along to the customer since they probably have a shipping deal. 

Prices are overpriced this card can seriously damage your credit.. card is not good for beginners 

I was approved with no credit history and only use it to build my score. The items available for purchase are over priced and poor quality, the interest rates and customer service experience from them are awful.

stay away from finger hut .they lie