? Before I go on to talk about the "cards" pros and cons, I would like to start by saying that Fingerhut is one of the few creditors that will literally approve ANYONE that applies. This is great for those who are wanting to establish credit, or recover from a bankruptcy who don't want to go the secured card route. They are also one of the few creditors(not just sub-prime lenders, but all cc companies) that give regular cli's to those who use their credit line responsibly. ? The Good: -- They will approve just about anyone. -- Regular credit line increases(I got my first $100 increase in the first month of having???? the card) -- OK-ish selection of name brand items available. -- Average to good customer service depending on who you deal with. -- No yearly fees. -- Website doesn't look like it was put together by a dyslexic 5th grader(I don't know about??? everyone else, but to me this is a huge plus). -- Low payments The Bad: -- High APR(mine was like 22.8 or something. This will vary depending on your "credit????????? worthiness"). -- Items are expensive. A TV on Fingerhut costs roughly 25% more than if you bought it at? ?? any other retailer.? -- If you have a thin file, or if you have really low scores you might be placed in????????? Fingerhut's "fresh start" program. If this happens, you will be given a $250 limit and be??? required to put down a $30 deposit on your first purchase. This might come off as an?????? inconvenience to some(if so, you probably shouldn't be considering a cc in the first?????? place), but it's still better than paying a company $300 to use your own money. -- I could be wrong about this(please correct me if I am) but fromy experience the only?????? CRI that fingerhut consistently reports to is Transunion. After a bit of digging, I've found that a few people had Fingerhut report to Equifax as well, but my credit report?????? would beg to differ.This more than likely won't be a problem for most people, but if??? you're setting up this account as a means of establishing credit, this could be an issue. The Verdict: All in all Fingerhut is definitely something worth looking into if you need to establish/repair credit, or just simply want something on their site but don't have the means to pay for it all up front(given the mark up of their items, I would strongly advise that you don't do this). In my opinion, the pros outweigh the cons,however; if you have more than a year of credit history and 650+ scores, I would suggest looking into either the Amazon Visa(Experian), or the Best Buy(Transunion) Store card. Both have semi-high APR's, but their approval rate is good, and you can purchase pretty much any item found on Fingerhut for 15%-25% less.

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.