"Good Card To Rebuild Credit"
Fingerhut Credit Account Review
Written by: wndblwn06 on 2011-03-30
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wndblwn06's 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.
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.
3 Comments
Comment 1 by wanderer
Re: Good Card To Rebuild Credit 
on 2011-03-30
Congrats on this card! Sure seems to grow with a cardholder. You may want to look at the potential of acquiring a Mastercard or Visa unsecured or secured to continue on your rebuild. Lots of opportunities on this website. You can get a sense for what works from FG contributors.
on 2011-03-30 Congrats on this card! Sure seems to grow with a cardholder. You may want to look at the potential of acquiring a Mastercard or Visa unsecured or secured to continue on your rebuild. Lots of opportunities on this website. You can get a sense for what works from FG contributors.
Comment 2 by wndblwn06
Re: Good Card To Rebuild Credit on 2011-04-13
Thanx Wanderer :) I do have a couple of Visas also. The oldest is about 3 years old, issued by Monterey County Bank, which I keep for the history (although my credit limit seems stuck at $786) and the fact that there is no annual fee... My other Visa is with Credit one bank, which is only a year old, and I'm thinking of getting rid of, as the annual fee is going to be around $100... I'm still debating over that because I just closed a HSBC card a couple of months ago because of high fees and refusal for a credit limit increase.
on 2011-04-13 Thanx Wanderer :) I do have a couple of Visas also. The oldest is about 3 years old, issued by Monterey County Bank, which I keep for the history (although my credit limit seems stuck at $786) and the fact that there is no annual fee... My other Visa is with Credit one bank, which is only a year old, and I'm thinking of getting rid of, as the annual fee is going to be around $100... I'm still debating over that because I just closed a HSBC card a couple of months ago because of high fees and refusal for a credit limit increase.
Comment 3 by wndblwn06
Re: Good Card To Rebuild Credit on 2011-04-13
I guess I'll just have to play the waiting game a while longer... My score really hasn't increased that much in the past couple of years despite my on time payments... I have quite a few collections that drop off next year... Maybe then I'll qualify for a "good credit" card :p
on 2011-04-13 I guess I'll just have to play the waiting game a while longer... My score really hasn't increased that much in the past couple of years despite my on time payments... I have quite a few collections that drop off next year... Maybe then I'll qualify for a "good credit" card :p
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Disclaimer: This content is not provided by WebBank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by WebBank. Review content is powered by Finance Globe.
