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So January 27th I finally paid off my Fingerhut Freshstart account. I made 4 on time payments and the account reported as a closed paid loan on all reports. 2 weeks after it reported closed I still did not receive any notice that the account graduated. I called CS and they stated it could take 2 weeks to receive a letter or email about my graduation. Well now I still have not received anything and guessing my account was not eligible to graduate? Has this happened to anyone else?
I am not sure if this is the correct board so sorry if it isn’t!
@CivalV wrote:So January 27th I finally paid off my Fingerhut Freshstart account. I made 4 on time payments and the account reported as a closed paid loan on all reports. 2 weeks after it reported closed I still did not receive any notice that the account graduated. I called CS and they stated it could take 2 weeks to receive a letter or email about my graduation. Well now I still have not received anything and guessing my account was not eligible to graduate? Has this happened to anyone else?
I am not sure if this is the correct board so sorry if it isn’t!
Did you make four on time payments in four months or four in one month?
@CivalV wrote:
Thanks! Yes I am aware of the absurd prices. I only wanted the graduation for UTL padding. I had the account for 2 years and just used it 4-5 months ago simply for the graduation lol
I see you want a NFCU. Have you applied for one of their cards yet? They will give you more utilization padding then Fingerhut will ever give you.
@Anonymous wrote:
What even is fingerhut? I had never even heard of it until I started researching credit cards.
I mean from what I can tell it’s some mail order catalog? What is the advantage of using fingerhut other than that they’ll give you a credit card? And it only works for their catalog? Seems like there are better ways to get credit...like a secured card.
“All their merchandise is double of what it costs elsewhere.”
You weren’t kidding!!!
https://www.fingerhut.com/product/NNMGW.uts
That same phone is $449 directly from Apple , go see for yourself
Fingerhut charges $705 and that’s after their “$245” discount LOL
This might be the worst option for building your credit
I had a regular credit account with them. I found some Olaf moving doll that was on clearance for $20 that was actually less than list. I never saw anything else besides that that wasn't double in price. I did it after I got declined by Walmart and Target. Then I got approved by Cap One, BOA, NFCU, J Crew, Poterry Barn, Kohls, Express etc and realized that it was a waste of time. The only reason to get their account if you can't get anything else that doesn't charge fees.