Features

Who Is Fingerhut Designed For?

Fingerhut is a personal credit account designed for individuals who have average or poor credit. The credit account is issued by WebBank and can be used for making purchases on fingerhut.com or from the Fingerhut catalog.

What Are the Rates for Fingerhut?

The rate for purchases is 25.90% APR. There is no penalty APR. APRs will vary with the market based on the prime rate.

What Are the Fees for Fingerhut?

There is no annual fee. Late payments incur a fee up to $38. Returned payments incur a fee up to $38. The minimum interest charge is $1.

What Is the Rewards Program Like for Fingerhut?

There is no rewards program.

What Is the Signup Bonus for Fingerhut?

There is no signup bonus.

Does Fingerhut Have Any Other Benefits?

The Fingerhut credit account does not come with any benefits other than the perk of your payment history being reported to credit bureaus, which means keeping this account in good standing may be a way to help you build credit.

How Is Fingerhut Better Than Other Credit Cards?

The Fingerhut credit account has no annual fee and a competitive rate in light of the account being for individuals with average or poor credit. There is no rewards program, but your payment history will be reported to credit bureaus so maintaining a good track record with this kind of account may help you build your credit.

  • Card Type
  • Customer Type
    Personal
  • Card Network
    Other
  • Credit Score Range
    300 - 640
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Minimum Age
    18
  • Supported Income Types
    • 1099 Misc. Income
    • Cash / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Grace Period / Deferred Interest
    24
  • Late Payment Penalty
    $38
  • Minimum Interest Charge
    $1
  • Returned Payment Fee
    $38
  • No Annual Fee
  • Balance Computation
    "average daily balance (including new purchases)"
  • Purchases APR
    Starting at 25.9%
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I clozed my account literally 3 minutes ago and here's why. They give me this ridiculous credit line of $250 which if you have ever looked at Fingerhuts prices that does not allow you to buy much. Especially if your into electronics like I am. I sent them a email requesting a larger line of credit a couple of times telling them I was interested in buying a 55 inch tv. They told me they do not accept credit line increases. Their faq page says they reveiw your acct 3 ... times a year well I think thats not true because if they did they would want to know why someone would open a credit line and not use it for almost a year. I got tired of waiting and bought a tv locally with my credit card which has a limit over 10 times what Fingerhut gave me. So now that I was fed up with Fingerhut I sent them 1 last email and told them if they were unable to give me an increase in my limit then I was going to close my account. This women called me and told me the same garbage about not taking credit increase requests. So I told her to close my account. She says we take Visa and Mastercard and I thought why on earth would I use my credit card to buy from Fingerhut and pay more, wait for them to ship it and hope it gets here undamaged on when they say when I can just go to a local store pay a lot less and have it that day. So folks save yourselfs some aggravation and just get a credit card. Let Fingerhut keep not taking credit line increases and lose money while you enjoy your purchases that day. More Less


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