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.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- 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
Most Helpful Negative Review
Application process is easy. They give credit line increases daily often. I’ve had my card for 7 months and have already received 4 increases. It definitely helps your credit it just sucks to use it. I honestly wouldn’t even mind the sky rocket interest and jacked up pricing of all the items if the shipping wasn’t so outrages. That’s literally where I draw the line. I ordered a game for the PS4 and a small Tonka truck for my little brother. Both items where mailed to me together in the same box but I was charged $26 shipping for the game and $19 shipping for the truck. Mind you that is standard 5-7 days shipping. With pricing and 30 % interest along with their shipping methods it’s a very difficult card for me to use. Makes me feel like I’m just giving away money
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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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