I applied for the card and was approved for a $500,limit which was great since no other card would work with my credit. I bought 2 things and paid it off immediately. Within 40 days of having it I got a $300 increase and my credit went up 15 pts I was even approved for a real credit card since I got this and its only been 3 months
I will NEVER use Fingerhut again! Worst company to go through to build your credit. I was 2 days late and they reported it to my credit as 30 days. They also closed my account after I paid it off which also hurt my credit score. I called them to discuss why they reported my account wrong and the lady I talked to was very rude and wouldn't listen to what I was saying. She transfered me to another person who hung up on me. I will never use them again and I will tell everybody I know not to use them. Very unprofessional!
These reviews were written by current and former cardholders in the last year.
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Data Created: February 02, 2015
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Go with Montgomery Wards instead
You'll be far better off. Their items are total junk. Bought a stereo that ate my cd & spit it back out at me without opening the cd drive on it. Had little shards of cd flying out at me. When I returned it, I told them NOT to send me another & called several times to reiterate this only to have them .... guess what? Yeah! Send me another which they had to stop mid-delivery to return back to them before I got it.
I told them to close the account (both Fingerhut AND the credit portion through Web Bank). They only closed the Web Bank credit part & not the account while giving me the reason for not doing the closure was "You may want to buy something in the future".
Um .... h e double hockey sticks no! I want the whole thing shut down period. Took at least two months to get this done. If I could give a max negative score of five for customer service, I would without hesitation.
Getting through the application was no problem. Getting through customer services idiocy & lack of comprehension is a totally different can of worms. That doesn't even cover the rudeness.
Stay away! Far, Far Away!
Rip Off
I ordered a convertible futon that ended up not converting to a char. Fingerhut did not followup on he calls they promised to return about my questions on their defective product. They gave me a run around when I asked for a return shipping label. Ultimately they said it was too late to return the futon. I kept the futon in my storage unit. I had UPS ship it to them. Fingerhut says they will be no return or exchange for the futon because they received the futon after 60 days. It is their fault that the return was delayed. I asked them to close my account. It is still open. ! have submitted a complaint to BBB for a refund.
Fingerhut should not be allowed to make profit out of the damaged goods they ship to their customers knowing ahead of time that they will refuse to process the returns.
Overpriced and looks bad on report
I guess if you wanna overpay for items and have a blah mark on your credit, this is the program for you. Better to just get a credit card and pay it monthly than to waste your money on this crappy place.
Great way to build credit
I have had them for over a year now started at $200 now up to $800. Just keep up on payments and make more then the minimum. Prices are that of around what rent a center charges but you dont get hit with a higher price if you don't pay it off in a time frame. Also the shipping cost can be terrible
Great way to build credit
Just like rent a center but cheaper in the long run, But the shipping can get you. I have had them over a year started off at $200 now uptown $800. Never had to deal with customer service so can't answer on that
Shipping is so high!
This card charges so much interest that it takes a long time to pay off. If you pay the balance off every month, then it would be ok. You'd do better applying for a Capital One credit card and shopping at Amazon or Ebay. We call the card fingerfu@k because you truly get screwed.
I don’t even want to give them one star.
They closed my account eight months after I opened it due inactivity on the account. I planned on using it when I move, but apparently there’s a time limit for Fingerhut. Due to them closing my account, my credit score dropped too.
WAY OVER PRICED SHIPPING. SO USE A CODE.
Easy to get credit line but the prices with tax and shipping are insane!
I buy on clearance only and only when they have a free shipping code.. They use to give me increases if I used the card, now I have to spend something and they will match that increase only,, so I spend $10 I get $10 increase. So if I want a $1000 increase I have to spend a $1000!!! Seems a ton unfair....I am outstanding customer and now get increases that only mach my spending? Again Insane..
Return a item and you lose the first costs off that super insane shipping they charge plus your return costs if they deem the return wasnt warrented!... I lost over $40 returning a $110 item. So One more time, Insane!
So in short there are way too many 'INSANES' dealing with this company, so yes use it with free shipping code, clearance items only, pay it off once a month and yes your credit score will improve.. Remember tho any good habits will give you a score increase...
Helpful
I got this card with one thing in mind: building my credit. Application process was simple, approved quickly for $200. Knowing you must shop from their catalog with some items marked up and steep shipping, just started off buying one thing. The quality of the product was great. Paid more than minimum and always on time, paid it off. Was offered a temporary credit increase to $400 that would go back to original credit of $200 without making a new credit purchase. Was able to get my son the Nintendo Switch Lite he wanted for Christmas with this card. I had to utilize more credit than I wanted but used the "no payments until March" offer that came with the credit line increase catalog, and have been making payments anyways to get it paid down as quickly as possible. Use this card responsibly and there shouldn't be any issues. Payments post right away and they update the bureaus regularly.
People complain about items being overprized! Umm helloooo it is to fix credit and people with bad credit, what you expect? For items to be cheap with low interest? Fingerhut is great to build credit!! Yes you have to pay $30 deposit at first but the monthly payments are great overall
People like you is what makes everything wrong in life. Justice robbery because you need the credit? There are other ways to build your credit. Being an idiot is not the right way.