Fingerhut Credit Account Reviews
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Title: Grateful
Date Reviewed: 2015-07-02 16:47:13 | Recommended?: Yes
Review: I applied in February and was approved for $230 credit line. It's very low, I know but my scores are terrible and I didn't think I would be approved with a score of 530, but I was and am now on the road to rebuilding. I don't have any credit cards anymore and haven't for 7+ years but need to rebuild my scores and this was the first place that would take a chance on me.
Title: Decent Card So Far
Date Reviewed: 2015-03-16 20:51:59 | Recommended?: Yes
Review: This account was a pre-approval sent to me in the mail for $400. I am trying to rebuild my credit, so I checked out their website. They have nice merchandise, some things a little pricey, but i decided to apply to have another positive account reporting. They did indeed start me out at a $400 limit. I had read on some on-line reviews they are very good about credit line increases. Accounts are reviewed regularly. I bought some pillows and pillow cases for my bed. Spent a little less than $100. Delivery was within one week, and the merchandise was fine. I split the balance in 3 payments. Made one payment right away, the second was my first statement was cut, and the third on the second statement, I only paid $1 in finance charges. But I was rewarded with a nice CLI for $400. Now my limit is $800!! I was pretty happy about that. Didn't have any issues with first purchase, and I will buy from them again. APR is 24.90%, definitely high, but I expected that since they are willing to take a chance on people. So far, the card is a keeper for me!!
Title: Love It For Rebuilding
Date Reviewed: 2013-08-12 01:12:20 | Recommended?: Yes
Review: Had score of 589 tu approved for $200 have had card less than a year and $200 increase tu now 640 products a little over priced but shipping is wonderful and always ahead of schedule
Title: Appoved
Date Reviewed: 2013-03-09 04:55:16 | Recommended?: Yes
Review: Appoved $ 400 line of credit with a 557
Title: Approved
Date Reviewed: 2012-12-15 21:08:14 | Recommended?: Yes
Review: I am trying to rebuild my credit. It has been a slow process. Just applied for the Fingerhut card and was approved with a $200 limit.
Trans:614
Experian:602
Equifax:609
Title: Approved. Score 564, $250 Limit.
Date Reviewed: 2012-08-06 04:29:30 | Recommended?: Yes
Review: Score 594. Have been using this site and another to build my score from 541 6 months ago. Have opened several lines of credit during this time to build it.
Instantly approved online, $250 CL. Looking forward to adding it to the pile of "revolving credit" to build, build, build my score!
Title: Just Got Approved For This Card
Date Reviewed: 2012-04-19 23:01:36 | Recommended?: Yes
Review: I just got approved for a $300.00 CL. I hope this credit card is as good as I been reading about. I'm looking forward to credit line increases and hoping it will help bring up my scores enough so i can get rid of all my sub-prime credit cards. I had scores between 590 and 637 when I applied.
Title: They Pull The Use It Or Lose It On Me
Date Reviewed: 2011-11-11 13:55:44 | Recommended?: No
Review: I checked my online statement today in seen they decrease my limit from 750 down to 550 with a 72 dollar balance I paid it off and close the account it was my oldest account but I had been paying 5.99 monthly to them for 2 years In they cut me by 200 dollars lol
Title: Applied Several Times!! Finally Aprroved YAY!!
Date Reviewed: 2011-08-24 21:56:20 | Recommended?: Yes
Review: I was looking at my credit score and it is still very low. I have one open credit account with GrandPointe and decided to try again with FingerHut. I have applied with FingerHut several times before this and every time has been denied. My credit score is 563 and my credit limit is $125.. Anything is better than nothing. I am hoping that with these two accounts I can manage to bring up my credit score over time.
Title: Success .. Credit Card Approved
Date Reviewed: 2011-08-24 21:47:58 | Recommended?: Yes
Review: i applied for Fingerhut credit card, credit score 730 approved instanly .credit score 730. Credit limit 600. Only equifax credit ran....
on application... Site truely helps to assist in how to determine what credit card to apply for.. Great success
Title: Finally!
Date Reviewed: 2011-05-21 11:20:25 | Recommended?: Yes
Review: I have applied several times, and I mean several times. Each time, turned down. Well I gave it a try and I didn't get the traditional line of credit but I did get the freshstart $125 credit limit. I purchased a small item for a little over 50 dollars while paying the 30 dollar prepayment before it ships. I plan to take everyone's advice and purchase small to build credit with them.
Title: Good Card To Rebuild Credit
Date Reviewed: 2011-03-30 05:49:19 | Recommended?: Yes
Review: I applied for and received this credit card when my credit score was in the mid 500 range. The credit limit was meager at first, $220, I believe, but after 2 years of paying on time, I now have a $1,720 CL, which looks wonderful on my credit because I keep a low balance. I only use this card for gifts every once in a while, as the apr is high... But with no annual fee, I can't complain.
Title: Hit Or Miss
Date Reviewed: 2011-03-25 14:36:21 | Recommended?: No
Review: Credit Score of 630 and was denied and yet my roommate has a score of 500 and was approved. I believe its hit and miss with this one. Not really worth it considering the items offered. *Personal Opinion
Title: Approved After Completing Trial
Date Reviewed: 2011-03-18 11:52:53 | Recommended?: Yes
Review: I applied for this account in December. I was not approved for their traditional line of credit that reports to the CRAs but I was approved for their freshstart program. I paid off my small purchase early. You have a total of six months to pay off the purchase but due to the high rates, I decided it was best to pay off early. I thought that because I did this, it would disqualify me from receiving credit through them. Apparently it did not. I was awarded with the $200 CL as a start off with their credit card. I plan to make another small purchase and pay on it for about three months to show credit worthiness. Things are looking up in such a short amount of time. Since October I've been monitoring my credit and have since raised my scores, provided by truecredit, by 100 points. Well worth the time and wait!! I plan to continue working on it and never getting denials ever again :) I owe a lot to this site for all the info I've learned!! Thanks FG!!!
Title: Frequent CLIs With NO FEES
Date Reviewed: 2011-03-11 16:25:17 | Recommended?: Yes
Review: I got a Fingerhut account shortly after my BK was discharged. I started out with a $220 limit and have made about 5 purchases from them (mostly sale and clearance items) and Fingerhut has been excellent about raising my limit after I pay off each purchase. My limit is now $1,370. I understand that Fingerhut's prices are a bit higher, but this card has no monthly, annual, or other "processing" or other fees and the $1,370 limit looks great on my credit report. I would recommend this card to anyone looking to re-establish themselves.
Title: 604 SCORE DENIED
Date Reviewed: 2010-12-20 22:00:18 | Recommended?: No
Review: Open car loan with Lexus financial. Had a 670 score two years ago. Day after rejection got a Capital One mc in the mail. Boo Fingerhut! Score no less with all 3 bureaus
Title: 3 Times The Charm!!!!!
Date Reviewed: 2010-12-06 15:17:33 | Recommended?: Yes
Review: Well folks, this was my 3rd time applying for the Meta Bank Finger Hut account... And this time I was approved. Just discharged my chapter 7 bk Nov 17th of this year. They pulled a Equifax. Not sure what my score was. Credit limit of only $200. But what the hell. See ya!!!
Title: Finalyyy Got Approve WOW
Date Reviewed: 2010-11-02 19:40:18 | Recommended?: Yes
Review: Finalyyy got approve WOW 250CL!!! I tried four times got denied. They pulled from Equifax... I'm building a new credit history now... I just got 3months ago approve from Capital One 500 CL no late payment always up todate. And a 1ST PREMIER-300 CL just got the card six days ago. Very lucky..
Title: Increased Credit Limit
Date Reviewed: 2010-10-03 00:47:19 | Recommended?: Yes
Review: I am 1 year post discharged bankruptcy. I applied March 2010 and was approved for 400.00 with Fingerhut. I made 1 purchase for 99.00 and have been paying a little at a time to show credit history. I have since had 2 cli's. The first increase was for 200.00 and now I got another increase for 300.00. I am up to a 900.00 credit with limit. Yay!
Title: Denied
Date Reviewed: 2010-01-26 13:05:52 | Recommended?: Yes
Review: Denied For this Card Online. Had this card many Years ago and it helped build credit. Good Selection of products, But You Pay a Higher price for the Convience. I would recommend the Card for Credit building. But Not So much For Rebuilding. They have become a lot more picky over the years.
Title: Denied
Date Reviewed: 2009-12-18 11:05:30 | Recommended?: Yes
Review: Applied online 12-18. Denied immediately. Will try again when my credit improves.
EQ 491 TU 537
Title: Got Approved
Date Reviewed: 2009-11-30 22:18:41 | Recommended?: Yes
Review: I applied for this card to rebuild my credit. I was told I would receive an answer in the mail. Got the card about 2 weeks later with a $100 cl. Hopefully I can rebuild soon and have my cl increased
TU569
EX570
EQ600
Title: Fantastic Opportunity
Date Reviewed: 2009-11-21 14:11:15 | Recommended?: Yes
Review: I got approved for this card six months ago, and it has helped me build my credit to quite satisfactorily levels. I make my payments online and on time. Started with only $250 credit limit, and in two months went to $550, and it was raised again to $750.
That may not sound like much to many people, but, HEY: just think about the state of the economy. Every little bit of credit you can get today sure helps, especially with Christmas around the corner. With Fingerhut you will have the chance to buy gifts for the entire family, without sacrificing your hard earned cash, because monthly payments are very low.
Yes. Fingerhut's catalog feature products that you could probably get for a cheaper price somewhere else. But don't forget this: You want to build or reestablish your credit. Right? Then, Fingerhut can help you achieve your goal rather quickly.
Credit is supposed to be used wisely. If you get $1,000 in credit, that doesn't mean that you should go use it all at once, or else you'll be getting into debts that you won't be able to afford.
Title: Denied???
Date Reviewed: 2009-09-25 14:58:45 | Recommended?: No
Review: I applied and was denied, not sure why. They didn't give me a reason. Scores in the middle 500's right now. There are others with lower scores than me being approved. It must be specific things in my report are the reason for denial. I would really like to have this account in my re-building process too.
Title: Approved.....$100
Date Reviewed: 2009-08-28 11:06:16 | Recommended?: Yes
Review: I was approved for this card with a $100 credit limit. Yikes that's small, but still post b/k 1.5 years now so I am taking what I can get with the "scared" lenders at this point.
Title: Husband Was Approved
Date Reviewed: 2009-08-04 14:48:59 | Recommended?: Yes
Review: Well, I've been helping my dh to rebuild his credit and he wanted to try applying for this card. Yes, he knows that it isn't a major one but he could get a secured card and he didn't want one of those fee based cards.
His scores are TU 500; EQ 497; EXP 510
Title: Approved
Date Reviewed: 2009-07-14 01:22:20 | Recommended?: Yes
Review: This card is ok. It comes with the Fingerhut catalog, that most of us have heard of. It just seems that you never pay it off. The payments are very low. I always double the payment and they are generous with cli.
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