Fingerhut Credit® Account

Cardholders' Choice i
Cardholders' Choice i
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  • Get the things you want at low monthly payments with Fingerhut Credit!
  • Why Fingerhut Credit?
  • No down payments, no layaway, no surprises
  • Affordable monthly payments
  • We often say "Yes!" when others say "No".
  • The Fingerhut Credit Account is offered to US residents by MetaBank, a federally chartered savings association and FDIC member located in Sioux Falls, SD, who determines eligibility and qualifications for the terms of credit
  • *If you apply and are accepted for a Fingerhut Credit Account issued by MetaBank, who determines eligibility and qualifications for the terms of credit.
Annual Fee:
Purchase Intro APR:
Purchase Regular APR:
24.90% - 29.90%
Balance Transfer Intro APR:
Balance Transfer Regular APR:

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate *
Cash Advance Fee N/A
Late Fee $4.90 - $24.90*
Penalty APR See Terms
Balance Transfer Fee N/A
Foreign Transaction Fee N/A
Return Payment Fee See Terms

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
First review with Credit Karma!!!
by chameleon76
Helpful to 407 out of 418

Hi.  I'm not sure exactly what to write here, but I feel that my positive experience with FINGERHUT deserves a praise.  I opened my fingerhut account on April 30th.  I was approved for a credit line of 500.00.  I bought a pair of shoes and paid the balance to zero many days prior to the bill being due.  My second statement was issued with zero due.  I decided to make a small purchase of a bath towel set (41.98).  I got an email that said my order had been shipped.  I logged into the website TODAY to track my order, and noticed that finger hut, in just over ONE MONTH, increased my credit line an additional 400.00.  My credit line with them now is 900.00 in approximately 30 days.  The pricing is a little bit much compared to other retailers, but from a credit analysis perspective, it sure feels good knowing this card is practically at zero.  A big thank you to FINGERHUT and the rapid CLI.  So, get this card if you want to improve your utilization quickly!!  Buy a simple small purchase.  Pay the BALANCE IN FULL.  They will reward you QUICKLY.  I'm proof.  I hope I didn't put anybody to sleep with this review.  :)  It's my first one.  EVER.

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
Hard credit hit, hard to place order
by NewLilac
Helpful to 128 out of 148

I applied for this because it was recommended here by CK and other reviewers.  Had a CK score of 615, immediately went down to 594.  *Hard, hard hit*.  Got approved for the Freshstart program, so I have to pre-pay a $30.00 deposit on a item minimum of $50.00.

I tried to place an order on Fingerhut site and pay that thirty bucks.  Would not take order due to their glitch, yet hit my bank account twice with holds that lasted almost a week.  My credit union said Fingerhut must fax them a release, Fingerhut says credit union must contact them.  So that's why hold went on for week.

Called and tried to place order when those holds were finally released . Figured it might work better by phone than online.  Customer service rep, who barely spoke English, told me the payment site was down for a while.

Waited a few days, today went on their site to place order, to find a notice the entire site is down for a few days.

Crud.  I had planned to buy something just over then minimum $50.00 limit.   Then occasionally buy something inexpensive to keep account active.

This entire episode has been very disappointing, including a previous attempt to post my experiences here, as my original posting seemed to disappear.  I will try, once again, to contact Fingerhut something next week when the site is supposely working.   A two week pain and stretching towards three weeks.

If I had to do this over again, I sure wouldn't bother with Fingerhut.  I would suggest you don't either.  But since I've already taken the credit hit, I will try for a while longer, and let you all know.

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