Fingerhut Credit Account

  • Easy application! Get a credit decision in seconds.
  • Build your credit history – Fingerhut reports to all 3 major credit bureaus
  • Use your line of credit to shop thousands of items from great brands like Samsung, KitchenAid, and DeWalt
  • Not an access card
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Poor Credit, Limited Credit Personal None N/A* N/A* See website for Details* Store Specific


Quick Summary:
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. Rates may vary among applicants, however the lowest standard APR is 29.99%* (Variable)*.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. 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, according to the offer details.

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 560 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any WebBank product.

Other Basics:
The grace period listed for the Fingerhut Credit Account is at least 24 days*. So interest charges will not be applied for new purchases during this time if balance is paid in full by the due date.

This is a store or catalog card, not a traditional credit card. Acceptance of this card is normally bound to the merchandiser.

Our Editor's Commentary:
Consumers with poor or limited credit can benefit from the Fingerhut Credit Account. It is offered to United States residents through WebBank.

With no down payment, affordable monthly payments, and no surprises, the Fingerhut Credit Account is worth your consideration.

Approval Rate:
There were 49 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. 86% of those applicants were approved.

This card has a poor approval or acceptance rate. This could be due to the fact that applicants changed their decision after wanting a traditional credit card such as a Visa, Mastercard, Discover Card or American Express card. Furthermore, if your FICO score is close to or higher than 560, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
Based on community reviews, we found that 85% of 27 users recommend this card.

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