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Fingerhut Credit® AccountQuick Summary:
This is a Store rewards card, issued by MetaBank. Store reward cards normally offer rebates on specific brand merchandise or purchases. This card is intended for consumers, or "personal use" with poor or limited credit histories. The issuer may expect recent or past flaws in your credit report. APR's may vary among applicants, however the lowest standard APR is 24.90%* and may be as high as 29.90%* Variable*, depending on your credit worthiness*.Important Rates:
The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 16.65% to the U.S. prime rate.
There is no annual fee for this card.* Rewards:
This card is a store or brand specific rewards card, where you can expect rewards, gift certificates, or even rebates for your purchases. Credit Record Needed:
Based on the FICO score recommendation, the issuer may expect that applicants may have had problems with their credit history, or are working on building their credit reputation. A FICO credit score of 564 is recommended for a higher chance of approval, but it is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. Other Basics:
The grace period listed for the Fingerhut Credit® Account is at least 25 days*. So interest charges will not be applied during those days. This is a store or catalog card, not a traditional credit card. Acceptance of this card is normally bound to a specific store or catalog. Approval Rate:
There were 13 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 69% of those applicants were approved.
The approval rate for this card is average. Furthermore, if your FICO score is close to or higher than 564, then your chance of approval may be even greater. Approval Time:
Approval time for this offer is not listed. You could expect a possible instant decision, but you should expect a final credit decision within 1-2 weeks. Offer Details:
- Get the things you want at low monthly payments with Fingerhut Credit!
- Why Fingerhut Credit?
- No down payments, no layaway, no surprises
- Affordable monthly payments
- We often say "Yes!" when others say "No".
- The Fingerhut Credit Account is offered to US residents by MetaBank, a federally chartered savings association and FDIC member located in Sioux Falls, SD, who determines eligibility and qualifications for the terms of credit.
- *If you apply and are accepted for a Fingerhut Credit Account issued by MetaBank, who determines eligibility and qualifications for the terms of credit.
* Please see the credit card application for details about terms and conditions.
Reasonable efforts are made to maintain accurate information. However all credit
card information is presented without warranty.
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Consumer Card Rate Comparison
| APR | 24.90%* - 29.90%* Variable* | | Avg. APR | 14.03%** | | Annual Fee | $0* | | Avg. Annual Fee | $11.56** | |
** APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee
average" contains the average of all fees in a specific category (Consumer cards), even where the fee is $0. This data is subject to Finance Globe's
terms and conditions.
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