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Fingerhut

Valued Contributor

Fingerhut

    I am trying to decide whether to apply for a Fingerhut card or not. I have 2 tradelines on my report now which are active and one from a closed CC account which will fall off in 3 years. I am very eager to have new tradelines but am not sure if Fingerhut is going to maybe give me buyers remorse or really be worth it. It doesn't report to EX in my understanding. Beyond that I don't really see the downside to adding this account to my credit reports. Any insight? Thanks...

10 REPLIES
Frequent Contributor

Re: Fingerhut

Try Gettington.com.  It is also Webbank and their prices are better for the exact same merchandise.  They will probably give you a higher initial limit than Fingerhut.

04/10/17 - FICO 8s - EX 769, EQ 710, TU 724
Established Contributor

Re: Fingerhut

Fingerhut merchandise is a rip off.

They do not report to all 3 cb's.

I would try for another GE card or secured card until scores are up.

 

 

I bought some pillows years ago when I had them. Just garbage "merchandise".

 

Capital One Quicksilver Visa | Capital One Quicksilver Matercard | Sony Visa | ebay Mastercard | Best Buy Visa| Shell Mastercard | CareCredit | Amazon Rewards Visa | Discover it | Lowes | Home Depot | Chase Freedom | Ebates Visa | TJMAX Platinum MasterCard | Stash Signature Visa | Hilton Amex | Bank of America Cash Rewards Visa | Bank of America Better Balance Rewards Visa | US Bank Cash Rewards | Blue Cash AMEX | IHG Rewards Club World Mastercard | Barclay Cash Foward World Mastercard | Bank of America Travel Rewards Visa | US Bank Cash 365 AMEX | Amex Everyday | Target | CITI Double Cash | WELLS FARGO PROPEL AMEX | Royal Carribean Visa | AARP REWARDS VISA | BEst Western Mastercard
Established Contributor

Re: Fingerhut

As others have said, the merch is crap, over priced, and they do not report to EX

NFCU CashRewards $13.5k | AMEX BCE $15k | Lowes $17k | Sportsmanss guide $7.6k | Chase Freedom $1k | Discover IT $4.4k |
Walmart $8k | Gordman's $2950
Valued Contributor

Re: Fingerhut

   Does Gettington.com report to 3 credit bureaus or just 2 as well?

Established Contributor

Re: Fingerhut

IDK about gettington

 

I would recommend secured cards.

 

 

Capital One Quicksilver Visa | Capital One Quicksilver Matercard | Sony Visa | ebay Mastercard | Best Buy Visa| Shell Mastercard | CareCredit | Amazon Rewards Visa | Discover it | Lowes | Home Depot | Chase Freedom | Ebates Visa | TJMAX Platinum MasterCard | Stash Signature Visa | Hilton Amex | Bank of America Cash Rewards Visa | Bank of America Better Balance Rewards Visa | US Bank Cash Rewards | Blue Cash AMEX | IHG Rewards Club World Mastercard | Barclay Cash Foward World Mastercard | Bank of America Travel Rewards Visa | US Bank Cash 365 AMEX | Amex Everyday | Target | CITI Double Cash | WELLS FARGO PROPEL AMEX | Royal Carribean Visa | AARP REWARDS VISA | BEst Western Mastercard
Established Contributor

Re: Fingerhut


dddewdrop wrote:

    I am trying to decide whether to apply for a Fingerhut card or not. I have 2 tradelines on my report now which are active and one from a closed CC account which will fall off in 3 years. I am very eager to have new tradelines but am not sure if Fingerhut is going to maybe give me buyers remorse or really be worth it. It doesn't report to EX in my understanding. Beyond that I don't really see the downside to adding this account to my credit reports. Any insight? Thanks...


If you had no credit cards and wanted a first card I would say go for it, but seriously you would be taking a step backwards. I started with Fingerhut so I could get to the point of adding other cards. Don't do it. I wouldn't. Overpriced merchandise, insane shipping, only reports to two bureaus. I do not see an advantage for you.

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Valued Contributor

Re: Fingerhut

Ya im gonna hold off thanks yoSmiley Happy

 

Established Contributor

Re: Fingerhut

I would try the cap 1 secured. I like it so far.
EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

New Member

Re: Fingerhut

Both Fingerut and Gettington report only to TU and EQ. While they dont report to experian I would say someone looking to establish or turn their credit around, wont be hurt by having these accounts. My scores in six months have gained 40 points and I believe it because of these two accounts.I started building credit 9 years ago (I always paid cash for stuff and thought that was perfect credit till I tried to buy a home!)  

Also they give decent CLI after two billing cycles. Yes they are for the most part overpriced (gettington is $10-$30 cheaper) you can find coupons on retailmenot.com to offset the price hike. I buy from both and have not been disappointed yet some of their stuff is actually pretty nice. But I do read all reviews before I purchase  something which maybe why I have no negatives about this company.