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
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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Sample Size: 310
Data Created: February 02, 2015
Note: Sample data consists of Credit Karma members who hold this card.
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