Fingerhut Credit Account issued by WebBank Reviews

Fingerhut Credit Account issued by WebBank Reviews
2.9 out of 5 stars
73 Reviews

From Cardholders in the last year


Application Process

4 out of 5 stars

Customer Service

3 out of 5 stars

3 5

Card Details

  • Balance Transfer Intro APR Not Applicable
  • Balance Transfer Regular APR Not Applicable
  • Annual Fee $0*
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR 29.99%*

Most Helpful Positive Review

Feb 02, 2019
Use it responsibly
seasonyorica Cardholder

Yes, the items are priced higher and yes the interest rate is higher, but that’s what you get when you’re trying to build credit. I’ve had my account for 5yrs now and started off with the FreshStart account with a $200 limit and now I have a $3,500 limit. They regularly give you increases and I only buy large ticket items when they go on sale and have free shipping, that way I’m not paying more than I would if I would have went inside a regular retail store to buy them. I’ve gotten a laptop, kids bed, luggage, kitchen appliances, those type of things for actually a good price if you wait for sales or for things to go on clearance. USE IT RESPONSIBLY and it’ll work for you! I’ve never had a problem with them in all these years and now I’m where I can purchase a house and Fingerhut started it all with getting my credit back together. 

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Most Helpful Negative Review

Aug 22, 2019
Deceitful and credit harming
Desi983 Cardholder

Deceitful and credit harming, The fresh start program Promises to help build your credit after completing a six cycle payment, I knew that their products were overpriced but I wanted to build my credit. After making the final payment on my account I was told that I unsuccessfully completed the program by paying my final payment too early and that there was nothing I could do other than restarting the program. I then chose the automatic payment option plan to avoid accidentally paying early, After completing the program a 2nd time I received a notice saying that I had not successfully completed the program by missing my final payment when I contacted them I was told there was a billing error & in order for It not to negatively impact my credit I would need to successfully complete the program so I did the 6 month plan a 3rd time. I finally graduated to a revolving credit account however upon looking at my credit report rather than boost my score it hurt it. I discovered that  rather than reporting as one account each attempt of the program appeared (3 closed accts & 3 hard inquiries) as well as recently accts (less than 2yrs) & because there’s only 6 payments 1 late ($25 that was not my fault) made my on my payment history drop to 70%. Now I’m Stuck with a lower score and products that I didn’t really even want

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These reviews were written by current and former cardholders in the last year.

Jan 05, 2020
Very bad customer service.
SP7654321 Cardholder

Missouri first order hi asked for a return authorization 8 months later I still have not got it and now and negative on my report don't do it these are poor customer service people and they don't care what the issue is once they've sent it to you. What I ordered is still brand new has a plastic pipe eggs on it that has not been broken there for you can tell it has not been used and they refused to send me a return authorization from day one don't do it you will regret it later

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Jan 04, 2020
Don't waste your time with the card!
Stephen123987 Cardholder

This card is not a good card to have, go with another brand they are horrible from customer service to saying you are late when you made payments. I closed it and it only negatively affected things while having it to build credit. Doesn't work!

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Jan 03, 2020
Worst Card Available
RachelHolm Cardholder

They have exorbitant shipping costs, their prices are overinflated, and their customer service department is clueless and disorganized. I pay all of my bills electronically so I rarely view statements. After noticing my balance wasn’t decreasing as much as it should’ve been, I viewed my statement and discovered that they had assessed late charges to my on-time payments 3 months in a row!! They credited it back to my account but what if I hadn’t checked? This company preys on those who are experiencing credit issues. They are NOT part of the solution. There are several other credit cards out there that help you build credit and they are much more reputable. I canceled this card. DO NOT APPLY FOR A FINGERHUT LINE OF CREDIT!!!

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Jan 01, 2020
jkorsing01 Cardholder


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1 Reply
Jan 04, 2020

๐Ÿ˜‚ ๐Ÿ˜‚ ๐Ÿ˜‚ ๐Ÿ˜‚ ๐Ÿ˜‚ I love the caption

Dec 27, 2019
Great to have on hand
Johnboy469 Cardholder

I got this a few months ago and have purchased several items on the site. I pay twice a month and in the time I've had it they doubled my available balance twice. Has been great for my credit!

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Dec 19, 2019
Not bad
KidKrazz Cardholder

Pros: You can buy almost anything you would need all in one place and good quality. Definitely help's give your credit a big boost!

Cons: As much as this credit line help's build your credit it destroys your credit as well. What I mean as destroys, they give you credit for treating the account good as you gain time in. Once you reach a certain credit limit and don't shop much, they thresten you to use the credit in LARGE amounts in order to keep a certain new limit they gave you or you will lose it. Now if you gain any new credit limit your score goes up right.

So since you try to keep a low to no balance on credit card's/credit. If you are forced to use your credit limit that was given to you of course it has a return by your credit being hit. But if you don't use the credit and lose it, your credit will also be hit because your credit limit was decreased. So it's almost like they help you boost your credit momentarily until you reach a certain limit then they surprise yoh with oh if you don't use this big chunk of credit we will take it back and hurt your credit. Leaving out that if you do they still will hirt your credit. I would stay clear away from this unless you want your credit record going for a rollercoaster ride.

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Dec 10, 2019
The best to fix or start as its stated๐Ÿ™‚

Omg i did the Fresh Start with Fingerhut the best option i made ever credit score went up a whole freaking ijs give them a try๐Ÿ‘๐Ÿ™‚๐Ÿ‘

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Jan 09, 2020

Obviously written by a Fingerhut company representative!!!

Dec 09, 2019

Say the item cost $100 at Walmart, Fingerhut will make you pay$239 an additional $139 dollar, they close my account without my consent, and they did it for Christmas, time, I pay on time so what was the problem, I was lied to by a representative and they were very rude to me...

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Dec 09, 2019
Great for no or bad credit
Mykelalynn Cardholder

I opened up a Fingerhut account to help my credit score.  They have numerous items you can buy and while yes, some of them are a little higher than you can get in stores, this does help build your credit.  My score has gone up because they do report to the credit bereaus.  I would highly recommend checking them out.

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Fingerhut Credit Account issued by WebBank Reviews

Fingerhut Credit Account issued by WebBank