Submitted Final FingerHut FreshStart Payment: Appt or Invite to Advantage

[Anonymous]

I just submitted my final FingerHut FreshStart payment. Will I need to overtly apply for their Advantage credit line, will it just convert, or will I get an email for it in someway?

What's been your experiences, please, especially during Covid times?

If I have to HP apply to get it to convert after having a 6-months ontime slightly more than minimum payment history with them, for FH, I'm just not willing to give it the points ding and new inquiry ding for FH which I won't be using much. 

I'm grateful to have had a TL with them as my number 2 when I was around 502. Appreciative for it. But not willing to pay in CS dings for more with them. 

Thoughts? Experience? Thx! 🙋‍♀️

[Anonymous]

Navy, Disco, and CapOne will give you all you need to continue improving. Personally I'd dump FH. They aren't necessary for you anymore.

[Jnbmom]

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@Anonymous wrote:

Navy, Disco, and CapOne will give you all you need to continue improving. Personally I'd dump FH. They aren't necessary for you anymore.

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+1

I don't understand why you would get FH if your cards in your signature are correct?

[Remedios]

Conversion from fresh start to just plain FH account is done automatically.

There is no HP involved. 

Nothing wrong with leaving it open if there are no fees, but I wouldn't keep buying trinkets to leave it open.