Fingerhut Credit Card: Should You Apply or Not?

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I got approved for $180 credit limit with fingerhut some time ago. Maybe 6-8 months ago. Just curious if anyone knows if you get a fingerhut card when you have been approved for a credit line with them, if so how? Because I have not gotten one.

Here’s the truth. I had a house go back to the bank in 2010. Fingerhut gave me a $200 limit with 30 down the first month after that. I’ve mabe been late about 3 times in 5 years (no more than a few days). There interest is high it sucks. I have made more than the mimunim payment many times. Currently my permanent cr is $3500. Solely because of fingerhut I got approved for a few major cards. As of today I have capital one points card discover and chase, with 2 auto loans and a home mortgage. Fingerhut is a over priced over % but it definitely helped rebuild my credit.

I received a FH offer in January, 2015. Had the time I had one Cap One w/ a $500.00 CL and one new car loan in my name (FMCC, original amount $13K). Also, one utility (no down payment, it does report on EXP and EQU) for one month and AT&T service (no down payment for six months, this does not report). FH approved me for a $700.00 CL. Three months later it was raised to $1100.00. I use the discount coupons and keep my utilization low. Since then received another Cap One (rewards) card with a $500.00 CL also in January (I suspect Cap One is watching me clean up my credit report) and the first Cap One CL was raised to $2500.00 in March. Since then I have opened a secured CU card with a $1K CL. I did the secured card just to make certain that I would get it. Plus I needed to get over the $5K CL amount to help my CS. My FAKO score is now about 667 from all three CRA. I use creditkarma, credit sesame, and Plus Cap One gives me a score every month. I also have the daily EXP credit report and score because I was part of that lawsuit against EXP. I would recommend FH. They have helped me with my CS.

My credit limit was $3500. My payment was one day late, more precisely, about 12 hours late. My credit limit was reduced by $800, and I was socked with a $26 late fee. Even “clearance items” are over priced. The sooner the better, for paying this account off.

Does the 30 dollar downpament come out right away or around the time my items would be arriving

Items are not shipped until $30 down payment is completely processed.

This company may have one of the worst customer service departments I have even had to deal with. I can’t change the street number for my account. What company will not let you do something so basic, and even more importantly will not cancel the account with me verified detailed identity information to include my husband. It has been a headache since I applied and now I am wishing I never did.

I Recently Got freshstart credit from here I ordered and payed the 30 dollars down and now 170.00 is missing off my card do they hold what you I owe ? I got 200 dolls worth of stuff..

No, they don’t. You may have accidentally clicked on “pay in full” when checking out.

If I order something for 100 dollars,and I’m in the fresh start program, explain to me how it works step by step please. I was given 230.00 credit. Thanks!

Although you have a $230 credit limit, because you only ordered $100 worth of stuff, you automatically forfeit the remaining available credit. Until the $100 is paid off, you will not have access to anymore credit other than the amount that was used the very first time.

I received a recorded message from fingerhut saying that I graduated from the fresh start program and now have a Fingerhut advantage credit account, but when I went to to check it still has the fresh start page up. I wonder why?

Got approved for the freshstart program with a $180 limit, after being denied by everyone else because I had no credit at all. I made a purchase of about $50 and had to pay a down payment of $30 a couple of days later I paid the remainder balance which was about $20 and they instantly rolled me over to the regular revolving account the next day, they only increased my limit to $200 but hopefully by keeping my utilization percent down and making on time payments I can build my credit and get a higher increase along with getting approved for other credit.

I got a 600 approval is that in monthlyor all to gether like if I buy something that’s worth 600 or 600 in payments let me know

If you got a $600 credit limit, that means you can charge up to $600 worth of product from Fingerhut. Jst like any credit card, that $600 is your credit limit. Then you would make monthly payments, that amount would be set by Fingerhut. Your payment is based on how much your balance is. Example: My balance is $800+ right now, and my monthly payment is $46. That will change though, as I pay down my balance. I have never missed a payment, and my credit limit went from $500 to $1250 in just 6 months.

Your limit of $600 is all of it, total. Whether you spend it all in one month, or spend $200 one month and $400 the next. Just keep in mind it’s a CREDIT. You are required to make monthly payments to pay it off. The sooner you pay it off the better.

That will be a $600 credit limit period. You will pay a minimum amount monthly until the entire $600

Got approved 2 months ago for their regular account with a limit of 500.00. I bought a food processor and a purse paid weekly which made more than required payments and I already got an increase of 400.00 making my credit limit 900.00 in two months. If you pay right a d mire than the minimum they will give you increases. This is the second time in my life i have an account with them. Be responsible and they will give u a chance when others dont.

I’m glad I got this account it has helped me a lot to increase my credit score. I don’t know what I would have done without. I got an increase just in time for Christmas. I will be able to buy things for my grids. So keep up the good work fingerhut. My grannyhad an account before she passed.

I did not get my answer in 5min I haven’t gotten an answer at all..

I got pre approved for $500.00 with a $30.00 down payment so i payed that and, they gave me some more money to spend so i made a couple of more payments im loving fingerhut already and, it’s only been a month.

Ogboriamudo john cyril

i recieve a confirmation mail for $5000 i have not confirmed it

Denisha freeney

I would love to have a account with y’all

Joshua celestine

Hey u guys I’m starting off with the frost start program I’ve been approve for 230 dollars an I have to pay a 30 dollar fee should I purchase an item first r pay the 30 dollar?

I started with the Fresh Start program in December 2013 with a small limit. I purchased an item and made larger payments than what was required. I was immediately graduated to the regular credit account and after just 4 months I got a line increase from $200 to $800. I recommend Fingerhut for credit building purposes.

You only pay the $30 if you order an item. That is your down payment .

Just got approved for $600 revolving credit line. Im very happy. My highest Fico score is my Transunion at 591.

shanica mowatt

I would like to apply for a credit card

I just got approved for the fresh start program, I was approved for $200 and I put $30 down and made a purchase for $122.. I’m gonna payoff half of my balance early so I can immediately get a credit increase and just build it up, if they approved me they’ll approve just about anyone, my score from credit karma is currently 532 and 568 (horrible credit) I also have horizon gold which is a horrible expensive high interest card but boost up my credit score but only on 1 burial unfortunately. Would anyone know if web bank would guarantee approve me for another credit card since I have finger hut which is bye web bank ?? I know web bank has bill me later for amazon purchases and some other computer building credit company, is there anymore than those mentioned and is there a guarantee approval? Let me know guys I would appreciate it, thx and good luck on rebuilding that credit score and god bless

no they will not approve you for another line of credit from web bank…you will have build your credit with them…and the fastest way to build and get extra line of credit with them is to double your payments are if you can pay them off in full….

I don’t really like Fingerhut or their prices but after being turned down by every creditor for not having any credit history I applied and got approved in two minutes. Great way to start.

got approved today with a 300.00 limit. not down payment required. I’m happy with the 300.00 limit b/c I thought I would get denied all together or require a down payment. I haven’t purchased anything yet- but I will purchase something like a 50.00 item and pay it off. Hope they report to the credit agencies as I need as much help as I can get. Has anyone else out there dealt with fingerhut for a while and noticed their credit improve? Thanks

I’ve had an account with them since 2012. When starting I had the Fresh Start card, paid early each cycle, and more then the minimum. After the 6 months I got the revolving credit. When starting I had awful credit, I mean horrible! I check my credit report each year on, and also started an account with Credit Karma. Yes Fingerhut does report, and promptly to the credit agencies, and yes my score has gone up. I was skeptical at first, but my score has gone up nearly 100 points. My credit utilization grade has improved, my debt to income ratio grade has improved, my credit history grade has improved. My credit is still a work in progress, but a Fingerhut account does help. Just keep in mind to always pay early, don’t Mac the account limit, and pay more than the minimum and you’ll notice improvements.

The 30 is the down payment,that downpayment is applied directly to the first item you purchased its also a one time thing..after the first item is paid for you are off the fresh start program and enrolled in the revolving program that comes with a limit increase

I have a Finger Hut fresh start program also, I noticed that it reports on your credit as installment payments? My question is does it help your credit out more to just pay those monthly payments one by one over time?? Or to just pay in full??

definitely over time. That’s the only way creditors can establish a history of trust with you in order to give increases.

I have a fresh start account and I put 300 down on a cordless drill and will pay off the rest in full when I get the statement, I also have a first premiere cc and have been paying on it for two months now. my credit scores are in the 500’s and it is going to take some time but hopefully a year from now things will be different…good luck to everyone who’s struggling.

I didn’t have any credit and I got mine for 230. And down payment of 30. I’m so excited b/c I’ve tried to get something and no one will help.

I thank you for given me time to be apart fingerhut family

Finally someone will give me a chance to build my credit, never had a chance to apply for credit cards or anything else because someone stole my number years ago and I finally tried fingerhut and they approved me with down payment $30 not bad for someone in the 500 lol! ill be at a 700 in a year …im praying please pray for me my dreams will come true…..and good luck to whom else is suffering with Bad Credit

I pray for you.. I understand the situation.. I have been trying for the past 10 years to straighten out my credit history. I have been between 570 and 580 for a few years after coming home from Iraq…I was at 580 when I applied for FingerHut about 3 months ago, as soon as I applied, I got a credit increase on one of my other cards, and now I am at $624 according to credit Karma’s TransUnion Score.. waiting till that hits around 650 or 675 to check my FICO score.
I am now using the regular credit card like a debit card to pay my household bills and living expenses, then paying it in full at the end of the month (never charge more than what my monthly income is) I use the Fingerhut card as the card to report to the credit bureau on my payments history.. charge some random item I want like an external hard drive or kitchen appliance, then make $15 or $20 (sometimes 30% of the balance) payments on it to build credit history.

I filed chapter 7 and was discharged in may 2013 . I applied yesterday and was approved for $500 . I haven’t used the card yet but its will help me build up my credit nowi have 2 credit cards and a dept store card (fingerhut) this account will help increase my credit score . im glad ii found this company . they were friendly and kind during the process and even verified who I was after having trouble with fraud . Thanks finger hut

Does finger hut give you an actual card?

Darryl LaChapelle

Yes but it’s a laminated card with your account info.

You do get a card with you Acct. Number on it. You can only use it with Fingerhut and their partners. Teleflora is one of their partners. You can use your acct. for flowers. Just used mine to order a Spray of flowers for my fathers funeral. And I will be forever greatful for Fingerhut and Teleflora.

Would like to apply for a Fingerhut account

So I have two more payments left towards a starting balance of $130 with all payments in full on time. Roughly what would be my increase once balance is paid off?

Darryl LaChapelle

Most likely it is going to change to 200

Could depend on how well you manage all your accts. If you do good, could be as much as a 200+ increase.

I am so excited I got approved for the fresh start program! This is going to help me continue building my credit! Just what I needed!

I got a catalog in the mail that says you’re pre-approved for 200 dollars, Figured what the heck If approved I could get my mom something for Mothers day! Had absolutely no Idea they would approve me for 600.00!! I didn’t go crazy on the spending but got a few nice things that will allow me to have a reasonable monthly payment! …Although I’d rather pay half or in full to avoid those percentage rates!!!

Very happy with fingerhut got approved for 200 rite away got a couple things paid acouple monthly payments on time but paid alil more than min. Due and got a increase of 300 with still owing for the other stuff plan to pay all off soon so hopefully it will help my credit. Fingerhut is a great way to gain credit unless u mess up with them.

I just signed up with FingerHut today. I’m trying to purchase a home but can’t until i have decent credit. My credit specialist recommended FingerHut. All 3 of my scores are in the upper 500’s right now and I was approved for $230. It’s not much but its something and every little bit counts. All I had to do was put down $30 and the rest I pay over six months. Perfect for anyone looking to build credit because there are no strings besides the $30.

I need to build my credit back up after someone obtained cards in my name and destroyed my credit… ? what is the 30.00 for.


FingerHut has two kinds of “credit”: the first is what Krystal referred to and that’s their “Fresh Start Program”. If you’re credit history or score needs a lot of work, FingerHut enrolls you in this. It’s paying a certain fixed amount right away (in Krystal’s case it was $30 as security) to get the $230 credit and then you have to pay off whatever you charge in 6 months.

If you’re credit is better than “needs a lot of work”, FingerHut will give you credit without you having to pay anything upfront. You can apply, they do a check and then come back with a credit limit for you, enroll you in their “fresh start” program or flat out deny you.

Hope that answer helps!

Darryl LaChapelle

It’s the down payment

The $30 is the down payment. It is a one time down payment.

I applied yesterday because I got a pre-approval catalog in the mail and got approved. I am rebuilding my credit and as of right now I have a Capital One Platinum credit card and a Victoria’s Secret.

I’ve been looking for something for bad credit…

trying to apply for fingerhut