With Black Friday looming, there are so many promotional offers, sales, and deals out there that it’s hard to know where to start shopping for Christmas, but here’s an idea that might just keep you home on Friday morning… why not order everything online this year? You can save the time, skip the crowds, and get some deals that you just won’t find anywhere else. And if you do it right, you’ll only have one bill that you have to pay after the holidays have come and gone… that’s right, just one bill. (I don’t know about you, but one bill sounds far easier on the budget than multiple new credit card bills, doesn’t it!)
With your Fingerhut Credit Account issued by WebBank , you can shop literally THOUSANDS of name brand, competitively priced items, including clothing, shoes, computers, electronics, home appliances, furniture, toys, and so much more, all at the same place. All you have to do is make your selections, place your order, and your shopping is done… and you know what’s even better than that? Before you ever even submit your order, you’ll know upfront what your monthly payment is going to be. No more January surprises in your mailbox – you can plan your spending around what you can afford, so you’re not broke once the holidays are gone!
What could be easier than doing all of your Christmas shopping with Fingerhut?
Did I mention that if you sign up for a new Fingerhut account now, you can start shopping right away? That’s right – sign up today and start shopping today!
Right about now, your mailbox is likely getting stuffed with catalogs for the holidays, and of those, some are offering you “Preapproved” credit of $300.00 or more with your first order… but is catalog shopping really a smart way to handle your Christmas shopping? Truthfully, that depends directly on how you use catalog shopping cards.
At first glance, that preapproved credit line can be very appealing, especially if your credit is less than perfect or if you don’t have enough money saved to actually pay for holiday shopping. But should you actually take advantage of the offers in your mailbox or should you consider alternatives?
Obviously, if the offer in your mailbox is from a well known, respected catalog merchant, like a Fingerhut Credit Account issued by WebBank, then you’re probably safe in sending an order in based on what’s in the catalog, but if you don’t recognize the catalog merchant or it’s just an application for credit, I’d be a little leery of sending in a written credit application. Instead, find the merchant online, read any independent reviews you can find, and apply online once you’ve determined that the vendor is legitimate.
Applying online is also typically faster as most applications get near immediate responses AND once you’re approved, you can usually shop the same day. However, it’s best to take your time, study the products you’re interested in, study the pricing, and then decide how you’ll pay for what you plan to order before you actually place the order. You don’t want to be surprised by the payment terms (or interest rates) when the bill comes in after the holidays are over. Some sites, like Fingerhut, actually post the monthly payment that you’ll need to make along with the full price of the item, so you can determine if you can afford the payments.
Personally, I prefer to make a plan to pay off the account balance early if at all possible, so that I can save money on the interest rate AND see the little bump that I get on my credit score when I pay a balance in full. But in the event that you can’t pay it off early, then do try and pay extra when you can so that you, too, can save a little on the interest rate over time.
Remember, catalog shopping in itself can be a lifesaver when you don’t have the cash to buy the things that you need to buy, but you want to be a smart catalog shopper and use your credit wisely above all else.
Well, it’s that time of year again! Yep, time to start figuring out how we’ll pay for this year’s Christmas shopping! Now, while lots of people don’t start shopping this early in the season, here’s a really good reason why you might want to start now.
Fingerhut has just released their newest promo code and it’s a great way to get an early start on Christmas!
That’s right, open a new Fingerhut Credit Account issued by WebBank , use their newest promo code, and you can save $50.00 on your first order of $200.00 or more! And who wouldn’t want to save $50.00 on Christmas presents… that’s like a great Black Friday deal that you can get right now.
So, why wait until October, November, or even December to start shopping – start today with a Fingerhut Credit Account issued by WebBank and save $50.00! Just enter the promo code NC426 when you place your first order!
It’s Fresh Start Friday! And there is no better way to get a fresh start on your credit than to open a Fingerhut Credit Account today!
That’s right. Fingerhut is one of THE BEST ways to get a fresh start on rebuilding your credit. Unlike a lot of other companies, Fingerhut approves nearly everyone for an account and in the rare event you aren’t approved? They have a special program designed to get you back on track financially. Why is Fingerhut your best bet for improving your credit score?
It’s actually pretty simple. When you open a Fingerhut Credit Account, they will report your new account to the credit bureaus, so you’ll show an available credit amount in the credit usage section. Keeping your credit usage at or under 33% can really make a difference in your credit score. So, when you’re approved, make sure your order is for about one third of your total credit limit.
Then, once you start making payments, you’ll build a payment history over time and this accounts for another 30% or so of your credit score. The better your payment history, the better your credit score will look.
Even better, over time, you’ll find that Fingerhut will periodically review your account, and as long as you keep it in good standing, you may start to see regular increases in your credit limit. Not only will that help your credit score, but then you’ll be able to get some really good deals on the hundreds of thousands of items available on Fingerhut.com. And those are just a few of the reasons why Fingerhut is our best pick for your Fresh Start Friday.
You know, here at Fresh Start Card Offers, we’re always recommending opening a Fingerhut Credit Account as a fast, easy way to start rebuilding your credit, but does it really work? Can the simple act of entering your name and address to find out if you qualify for a Fingerhut Credit Account really put you back on the road to credit recovery?
The quick answer to the question is yes, opening a Fingerhut account really can help you to rebuild your credit, assuming that you use your new account responsibly, make your payments on time, every time, and keep your available credit below the 30% recommended by the credit bureaus. But if you’re like most people, you’d like a little more info… maybe even an example of how a Fingerhut account made a difference in a real person’s credit score…
Well, here is just such an example:
“A few years ago, I’d just gone through an ugly divorce, from a husband who not only wasn’t working but had run up our credit cards so much trying to ‘start his own business’ that we were forced to file bankruptcy for the second time. Even worse, we were behind in the house payment, and his truck had just been repossessed, so you know that our credit score was literally about as low as it could get.
Honestly, the only way that I was able to afford to file for divorce was due to a settlement from an automobile accident that I’d been involved in a few months before we separated… that money not only paid for the divorce, but it funded the huge security deposit that was required on my new apartment, and enabled me to keep the payments current on the car I’d leased after the accident. Otherwise, I would never have been able to get out on my own, away from the nightmare of alcoholism that we’d been living for most of our married life.
At first, I didn’t worry much about my credit score… I mean, seriously, it was so low that I knew no one would ever give me credit again, or at least that’s what I thought in the beginning. Until I realized that I had less than two years left on the car lease that I’d taken out just before the second bankruptcy was filed. How would I ever get another car with such a credit history?
And that’s when a friend suggested that it was time I started working on my credit score. And that’s how I found out about Fingerhut. Yes, I know – we all know that Fingerhut has been around for decades. My Mom shopped there and I’ll bet yours did, too. I used to love looking at the catalogs when they came in the mail… I just never dreamed that having my own Fingerhut account would improve my credit score as much as it has.
Anyway, to make a long story short, that first Christmas in my new apartment, I had no money for gifts. So, I took a chance and applied for a Fingerhut Credit Account, and to my complete surprise, I was approved for a $300.00 credit limit! Not only did my kids have a nice Christmas, but once I’d paid on the account for a few months (I always paid extra), they raised my credit limit. And I started getting special offers and sales catalogs from Fingerhut in the mail. The more I spent and the more I paid my account down, the better the offers and the higher my credit limit went. I couldn’t believe it – I was finally making some headway.
And then came the day that I went to turn in the car – just as I knew they would, they checked my credit. Imagine my surprise when it had risen substantially and I was able to qualify on my own for loan to purchase a two year old car that I saw on the lot.
Since then, I’ve not only continued to use my Fingerhut account regularly, but my credit limit has climbed into the thousands, and I’ve watched my credit score steadily climb along with it. And honestly, it all started with that one small step, opening my own Fingerhut Credit Account.”
What about you? Are you ready to start rebuilding your credit?
Get the credit you deserve and save $50 on your first order of $200 or more with a new Fingerhut Credit Account. Use promo code NC361. Limited Time Only. Offer Ends Soon.
Need to find a few real bargains to finish up your shopping? There’s still time to get in on an unbelievable amount of savings with the last minute sales offered at Fingerhut! If you check out their website today, you’ll find toys, games, electronics, clothing, shoes, and household items all on sale AND with free shipping until December 12th, there is still time to get your order before Christmas!
So, don’t waste another minute, apply today for your Fingerhut Credit Account, and get in on the last minute savings with FREE SHIPPING until December 12th.
Not sure if you’ll qualify for a Fingerhut Credit Account?
Relax, almost everyone gets approved for Fingerhut, and even if you don’t, they have a Fingerhut Fresh Start option that may still make this a Merry Christmas! But, you’ll never know unless you try…
That’s right, Christmas is literally less than a month away! Do you have your shopping done? Or are you still trying to figure out how you’re going to pay for Christmas gifts? If you’re like most people, money is tight… with the cost of housing, health insurance, grocery bills, and everything else rising much faster than wages are, it’s hard to come up with the cash you need to get those must have gifts for the kids, for your spouse, or even just things you need around the house.
But this year, you can relax. Fingerhut has Christmas covered! When you open a Fingerhut Credit account, you’ll not only have access to the buying power that you need, but you’ll also have access to literally hundreds of thousands of name brand, quality gifts that will fill your family’s Christmas list.
Looking for the latest and greatest game system? Maybe a new HD television? Or the newest brand name tennis shoes? If you’re shopping for electronics, clothing, shoes, small appliances, toys (and more toys), or something else… relax, Fingerhut has it!
Even better, Fingerhut has it at a price you can afford. In addition to competitively priced items, Fingerhut has financing that enables you to get the gifts you need with a payment plan that will fit almost any budget! (They even tell you how much the payment will be for each and every item that you’re considering before you buy.)
And finally, for those of us with less than perfect credit… Fingerhut even has a “fresh start” program to help you get back on your feet financially once the holidays are past.
Name brand merchandise.
Competitive interest rates.
What could be better? If you don’t have a Fingerhut Credit Account, you’re missing out!
For the past couple of weeks, I’ve seen lots of Christmas in July advertising… there’s always a Christmas in July Sale going on at one store or another and there’s even a special Christmas in July week on one of my favorite channels. But let me ask you this. Are you ready for Christmas this year? Even if it is only July, have you thought about how you will pay for Christmas this year?
If your credit is less than perfect, it’s actually time to start thinking about this year’s Christmas season. Otherwise, December will roll around, and you won’t have the money saved to buy gifts! And if you have bad credit, getting a last minute credit card set up for the holidays can be tough. There is a better way! Why not start planning for Christmas now, in July? Then, when December rolls around, you’ll be all set! Believe it or not, one of the best ways to start planning for this year’s Christmas is also one of the best ways to get a FreshStart on your credit!
That’s right, get a FreshStart on your credit AND get the credit you need, and it all starts with a Fingerhut Credit Account!
Setting up an account with Fingerhut has never been easier! And, Fingerhut has a special program just for those of us with less than perfect credit. You start out with a lower credit limit BUT if you make your payments on time, every time, they will re-evaluate your account regularly and chances are, your credit limit will increase over time. So why wait? Get started with Fingerhut today and you’ll be ready to celebrate when Christmas in December rolls around!
Find out instantly if you’re pre-approved with Fingerhut Credit.
Shop over 630,000 items from great brands like Samsung, KitchenAid and Dewalt
Take advantage of low monthly payments1 with a WebBank/Fingerhut Credit Account
Fast, easy online application process and a quick decision
Just when you think the deal can’t get any better, Fingerhut Credit is now offering a promo code that will save you $50 off your first order of $200 or more!
Especially if you’ve got less than perfect credit, it is really hard to get the things you want or need without some type of credit, somewhere. Fortunately, Fingerhut Credit is tailor made for those of us with less than perfect credit!
Easy application! Get a credit decision in seconds.
Build your credit history – Fingerhut reports to all 3 major credit bureaus
Use your line of credit to shop thousands of items from great brands like Samsung, KitchenAid, and DeWalt
Not an access card
NOTE: We are currently not promoting offers for Fingerhut, however, we have other catalog credit options for your to consider:
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