Credit Cards

[calihlove75]

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ShiningDown wrote:

Do they only report to Equifax?

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They report to Equifax and TU but not Experian.

[calihlove75]

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Ostriches wrote:

Thanks for the info. Anyone know anything about how Meta Bank handles these accounts and increases?

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When they took over, I was at $1050. I had not used it in about 5 months when I made a purchase for moisturizing cream and Meta Bank up'd it to $1750. I assume if you use it every now and then and pay off they will increase the limit. I imagine that is hard with only a $100 limit..not to mention shipping costs can get insane when you do find a deal but every once and a while a good deal can be made. Right now you can get two sets of twin sheets for about 15 shipped. Not too bad

I also used Fingerhut to re-establish my credit. It is probably why I keep them around today because they gave me credit when I had none and when others would not. I have no regrets. Besides it helps with utilization.

[ShiningDown]

Its not for me.

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XxRaVeNxX wrote:

Don't do finger hut...it's like getting a credit card at rent a center...

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[daneatreia]

I have a finger hut account, never have used it, never will. However I opened the account in 2/2012 and it had a 350 limit, I got a CLI yesterday for 100 dollars. Its a huge help with utilization. Just let the account sit, and every month you will get a little green box that says ok in the inside on your credit report for your account. JMO

[beb86]

I was approved last year with a $200 limit and the upped it to $300 soon after but I never use it and since its has no af its perfect for the SD

[Booner72]

FH is one of my oldest reporting positive lines and I'm grateful for that, even today. But they gave me 300 then 600 and now nothing. Every six months they send me a reminder saying I have 600 dollars of credit available. I haven't used it in years and am wondering how long it will take for them to report?

And yes, they do report to EQ and TU but not EX.

[traveler2005]

I know items from FH are on the high side, but if you don't use the card, I wouldn't expect a CLI, I have gone from 400-500-650-950.  every once in a while I order flowers for an occasion through there site then PIF