Fingerhut Credit Account issued by WebBank Reviews

Approval Odds

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3.0 out of 5 stars
89 Reviews

From Cardholders in the last year

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Application Process

4 out of 5 stars

Customer Service

3.5 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

Jul 02, 2018
B1514 Cardholder

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.

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Most Helpful Negative Review

Jan 10, 2019
Be careful with this card
nperez60804 Cardholder

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. 

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

May 11, 2019
Very helpful
Crys999927 Cardholder

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. 

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May 10, 2019
Decent for building credit, not much els
kyosenshi Cardholder

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.

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May 05, 2019
SIX49 Cardholder


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May 04, 2019
Great helps alot
Qdubdog Cardholder

I'm just going to say I went from 300 to 1700 as of May 1 only had the webbank since November or October

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May 03, 2019
Great builder card
Grow2017 Cardholder

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. 

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1 Reply
May 18, 2019

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...

Apr 28, 2019
This company has no customer service
zw2019 Cardholder

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.

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1 Reply
Apr 28, 2019

Why'd you contact them, did it get resolved, I mean why was it so terrible?

Apr 23, 2019
Bad or good
Theunforgiven1 Cardholder

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.

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1 Reply
May 05, 2019

Typically you can't pay a credit card with a credit card.

Apr 14, 2019
Credit booster
dannyandjess11 Cardholder

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.

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Apr 12, 2019
Good until you lose your job
PandorasBoxx Cardholder

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.

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1 Reply
May 15, 2019

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.

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Sample Size: 310
Data Created: February 02, 2015

Note: Sample data consists of Credit Karma members who hold this card.
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Fingerhut Credit Account issued by WebBank