Got card charged a little, paid over minimum was approved for 300 after a month or so was given 1000 increase, card has helped in many ways to boost credit. Would certainly recommend to anyone desiring a chance to establish or reestablish credit.
Be careful with this card, as it is a good way to improve you credit, but beware it can hurt your credit too. I Worked hard to build up my credit and I will admit that I did use this card over time to help me with that and it did. However, I had a decent credit limit with them at one point and as I was paying off after a big purchase with them, they suddenly reduced my my credit limit by a great deal. This made it seem like my utilization was high and in turn that action by them caused my credit score to drop a substantial amount. When I contacted them about it and asked why, they simply told me that since I wasn't using the credit, they reduced it. No reward for being responsible and paying down a large purchase, which is why I wasn't charging anything more. It was very upseting and they customer service was poor. They refused to increase my credit limit back to what it was unless I was making a substantial purchase. I still have the card, but I rarely use it anymore.
These reviews were written by current and former cardholders in the last year.
Sample Size: 310
Data Created: February 02, 2015
Note: Sample data consists of Credit Karma members who hold this card.
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Not the best selection of items but they gave me credit so that’s cool too.
Very helpful
This card has helped me build my score. Fingerhut gave me credit when no one else would. I make my payments on time every month and try to pay double. Every 2 months I have been receiving a credit limit increase. Since getting this card I have gotten several preapprovals from other catalog companies as well as store cards. In November I couldn’t get anything and now have 9 store cards and 2 regular credit cards.
Decent for building credit, not much els
This is a line of credit to use for shopping with Fingerhut. Basically only good for building credit if no one else approves you. All of their products are very overpriced. I bought a camera you can find elsewhere for about 1/2 the price. I bought my camera in September 2018 and here we are in May 2019. I haven't bought anything else and yet I somehow still how these guys over $300. (The camera was just under $300). You'd think even with interest, this would have been paid down already considering I haven't bought anything from them since.
Very HIGH SHIPPING AND RATE
IF YOU CAN STAY AWAY.
Great helps alot
I'm just going to say I went from 300 to 1700 as of May 1 only had the webbank since November or October
Great builder card
Started with card in May 2017 at 700 increased 6 months later to 1k then 1,750 at a year. December received another increase to 2,950 and today two years later sitting at $3,950.
Are you using all of your credit limit? I've read where if you do not use the increase they give you, they would then take it back and your score would drop from a credit reduction...
This company has no customer service
This company has absolutely no customer service. Do not even attempt to ever contact them.
You have already decided to get this card, I know... i did too.... if this doesn't change your mind good luck.
Why'd you contact them, did it get resolved, I mean why was it so terrible?
Bad or good
So I'm happy I got this account. So my debit card was lost. I was like I'll pay with my credit card nope they dont take credit cards and will not run as debit. I said its 2019 and you only take debit late charge for me I thought at first just glitch in system. Yes it's my fault I should have read better it doen say only debit.
Typically you can't pay a credit card with a credit card.
Credit booster
I’ve had this card for 4 months and icebox already had 2 credit line increases. Went from $500 to $750 and currently $1050 all with a credit score above 600.
Good until you lose your job
I have had a fingerhut account for over 3 years with NO MISSED PAYMENTS and ON TIME PAYMENTS. People in my family have also used FH. But when I unexpectedly lost my job they would do nothing to help or assist. They have lost a loyal customer and the family members who used them. I will never recommend them to anyone.
Many credit issuers, Fingerhut included, have programs specifically to help in case of illness or job loss, but participation is not free (typically, it's a stated percentage of the existing balance to opt in). I know of no place offhand that will do this free of charge other than maybe a small local bank.