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   Credit Cards : Fingerhut Credit Card Review

Fingerhut credit advantage

Fingerhut Credit Card Review

Fingerhut Credit Account issued by WebBank*

Fingerhut Credit Card

  • Shop Great Brands with Fingerhut Credit.
  • We often say "Yes!" when others say "No." Get the credit you deserve! Apply for Fingerhut Credit today and get a response in 2 minutes or less!* +
  • Affordable Monthly Payments+
  • No Annual Fee*
  • No Overlimit Fee!*
  • Apply Now!

  • *The Fingerhut Credit Account is offered to US residents by WebBank, a Utah-chartered industrial bank, located in Salt Lake City, UT. Member FDIC, who determines eligibility and qualifications for the terms of credit.
  • +If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit.
Intro APR Intro APR Period Regular APR Security Deposit Balance Transfers Credit Needed
N/A* N/A* 24.90* None* N/A* Bad Credit OK*

Consumers can obtain a Fingerhut Credit Card that can be used to buy Fingerhut merchandise. Thousands of name brand products are available through Fingerhut, and customers can purchase them with their Fingerhut credit cards. Purchase items that you want and make low monthly payments with the Fingerhut Credit Card. When you utilize your MetaBank/Fingerhut Credit Account, you won't have to worry about a down payment, layaway or any other surprises; you will just have to make affordable monthly payments.

In comparison to other similar companies, Fingerhut's credit requirements are less stringent. Fingerhut may provide approval in cases where other companies do not. Fingerhut may provide instantaneous approval, particularly if the consumer has a catalog and provides the catalog number when prompted on the Fingerhut website. People who don't have a catalog can sign up for a card also.

fingerhut, finger hut

A standard credit check is performed prior to account approval, so the applicant must provide Fingerhut with the following: social security number, employment information, driver's license information, and income information.

No monthly or annual fees apply to this credit card. As is the case with the majority of store cards, the interest rate is higher than that of standard credit cards. The late fee is dependent upon the outstanding balance; it can be as low as a few dollars, but it can also be higher. The outstanding balance also dictates the amount of the monthly payment. In addition, Fingerhut provides monthly payments that are appropriate for the individual's budget. The better able a person is to pay, the higher their credit line will be, providing more purchasing power.

Metabank offers the Fingerhut credit card, so information is sent to the credit bureaus. Not only is this a functional credit account, but it permits people to purchase brand name items for which they would otherwise have to pay high, lump sum prices using other payment methods. Fingerhut's policy allows for a low monthly, per item payment. For example, a customer may purchase three items, with one costing $6 per month, one costing $15 per month and another costing $8 per month. The total monthly payment due would $29 plus interest. This differs from standard credit card payments which are derived from the total outstanding card balance.

Because it is similar to a store credit card, the company sets a credit limit which the cardholder cannot exceed, so there is no need to be concerned about possible overdraft fees. Should a cardholder run a bit late in paying, a 25 day grace period is provided during which no late fee is charged and no negative information is relayed to the credit bureaus.

With regard to security, you can rest assured that standard security measures are in place at Fingerhut. The company shares limited information with partners, and it is possible for consumers to opt out of this by making a written request to Fingerhut. If suspicious activity is noted on the account, an investigation will be instituted.

Click the link below to submit an application for a Fingerhut Credit Card.

fingerhut credit card review

Disclaimer: The content on this page is not provided or commissioned by Fingerhut. The opinions expressed here are the author's alone, not those of Fingerhut, and have not been reviewed, approved or otherwise endorsed by Fingerhut. ValuePlus Financial may be compensated by advertisers or credit card issuers as an affiliate.

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