Tag: fingerhut freshstart

Is Fingerhut still the best catalog shopping site?

Recently several new catalog style shopping sites have been launched, some with new approaches such as an online “rent to own” business model, others with a standard monthly “fee” that replaces any interest charges, and still others that promise a similar business model to the more familiar catalog shopping sites, such as Fingerhut. We’ve actually written a couple of articles about their different offerings, and while we like the “rent to own” business model, the best true catalog shopping site, hands down, is still Fingerhut.

What makes Fingerhut the best catalog shopping site?

In an actual site to site comparison, we discovered several reasons why Fingerhut is still the best:

• Fingerhut’s actual cash price is significantly lower for regularly priced items. The differences in prices on our comparison items ranged from a few dollars to as much as 30% higher than other comparable catalog shopping sites.
• Fingerhut’s interest rate is highly competitive, not just with other catalog shopping sites, but also with traditional credit cards’ interest rates. In fact, the interest rate at Fingerhut is actually LESS than many credit cards these days, so you may actually save some money by purchasing through Fingerhut instead of using a credit card to purchase the exact same product.
• Fingerhut is the only catalog shopping site that offers consumers a second chance in the event that you don’t qualify for a traditional Fingerhut account. With a mere $30.00 deposit on your first order, you can still qualify for an account under their FreshStart program!
• Fingerhut gives you all of the details up front! Not only were we able to confirm what the actual cash price for the item was, but we were also able to see the regular payment rate, the number of payments, and the full price of the item simply by using a handy chart that is available at the click of your mouse.
• Fingerhut typically starts out customers with poor credit at a $300.00 credit limit, however, once you’ve placed your order and made regular payments over a period of time, most customers end up with a significantly higher credit limit, and many qualify for the Fingerhut Major Purchase Program, where you can purchase furniture, appliances, and other high end items at reasonable prices with extended payment terms.
• As always, with Fingerhut there is no penalty for paying the balance of your account off early, and the total amount due is always readily available on your monthly statement.

Interested in opening a Fingerhut account of your own?

It’s far easier than you realize to qualify for Fingerhut.  The application is quick, easy, and secure and most people get an answer in less than a minute.  Go ahead – open your account today:

Apply for a Fingerhut Credit Account issued by WebBank .

Get low monthly payments with no annual fees or overlimit fees.

Shop from thousands of trusted brands.

Apply Today! Fingerhut Credit Account issued by WebBank

Got spring fever? Spring is a great time to get outside, work in the yard, clean up the screened porch, and fire up the grill! But if you’re like me, you like to add something new… be it that new grill you’ve been coveting, or perhaps some new outdoor furniture, or even that little “She Shed” you’ve been dreaming of all winter. Of course, adding something new takes money OR it takes a great deal.

Well, here’s a deal you won’t want to pass up!

Fingerhut runs monthly promo codes & you’ll get up to $50 off your first order.

Think about it – you can have that new grill, that new chaise lounge, or even that little “She Shed” AND get a fresh start on your credit at the same time. You see, Fingerhut has thousands upon thousands of quality products at prices that are highly competitive…you literally can find everything from name brand clothing, computers and electronics, to exactly what you need to freshen up that yard for spring!   (Even better, you’ll know exactly what it’s going to cost AND what the low monthly payment is before you order, so there won’t be any surprises when you get the bill.)

Worried about being approved?  Even if you’ve got bad credit, most people qualify for a Fingerhut Credit Account with a credit line around $300.00, and Fingerhut has a reputation for rewarding good customers with more credit the longer your account remains in good standing.

Even better, your Fingerhut Credit Account can actually help you to IMPROVE your credit score just by making your payments on time every time. Sound like something that might help you get a fresh start this spring?

 Apply for a Fingerhut Credit Account (issued by WebBank). Get low monthly payments with no annual fees or overlimit fees. Shop from thousands of trusted brands. 

Looking for fresh ideas to raise your credit score?  If you’re really working to raise your credit score, there are lots of ways to do it – some take longer than others, and some will raise your score reasonably fast and don’t take nearly the amount of time and effort that you would expect.

What is it?  Well actually it’s pretty simple and straightforward – take a good hard look at your credit usage.  That’s right, your credit usage, or the amount of available credit that you have at any given time.  It’s calculated as a percentage of the total credit available to you vs. the total balances that you’re carrying on your accounts.

For example, let’s say that you have one credit card and the limit is $500.00, but you owe $300.00 to the credit card company, meaning that you only have $200.00 available credit on that card.  Calculated as follows, this translates to a credit use of 60%:

$300.00 / $500.00 = .60 or 60% of available credit

Your credit usage is normally shown as about a third of your credit score, so if you can reduce the open balance on your account to around $100.00, then your credit usage will fall to 20% and that is well below the recommended 25% credit usage.

And how do you reduce your credit use?

There are actually two ways to do this – the first is pretty obvious and is probably the best way.  Simply pay down the balance on your card(s) until you get them below 25% of your total credit usage.  (Incidentally, right now is an excellent time to do this, especially if you recently received your tax refund!)

The other way to do this is to apply for credit elsewhere, and assuming that you’re approved, keep that balance extremely low until you can pay down the other account(s).  A friend of mine actually raised her score quite a bit this way – instead of another credit card, she opted to apply for a Fingerhut FreshStart account, and after she’d met the initial requirements to have the account converted into a regular account, her credit line was increased several times.  Now she has far more “available credit” than she will ever use AND a greatly improved credit score thanks to a good payment record and low credit usage.

Think you might want to open a Fingerhut FreshStart account? It’s easy AND most people are immediately approved for a $300.00 credit line.

Apply for a Fingerhut Credit Account (issued by WebBank). Get low monthly payments with no annual fees or overlimit fees. Shop from thousands of trusted brands.

Spring is nearly here, and as you know, spring means spring cleaning!  And for me, spring cleaning also means that I want to change things around in my house.  This year, I’d love to get new furniture… but I don’t have that kind of cash saved up.

Thanks to Fingerhut, I have options!

That’s right – I now have options to buy that new furniture that I didn’t have before I took advantage of the Fingerhut FreshStart program.  You so, I joined the FreshStart program almost two years ago – not only was my account converted to a regular account, but my credit limit increased, and I’ve been invited to use their “Major Purchase Program” to buy new appliances, new living room furniture, new bedroom furniture, and more.

Here’s how that works:  As I told you before, my credit limit was raised substantially over time, so I already have a good sized credit limit on my Fingerhut account, but every so often, Fingerhut offers me an even larger increase that is tied directly to the major purchase program.  So, if I want that new sofa and loveseat, all I have to do is to take advantage of the major purchase program and order my furniture.  Just like with everything else Fingerhut sells online (or in the catalog), I know up front what my payment will be, so I can decide if it fits within my budget or not…and once it’s ordered, my furniture is shipped right to my house.  All I have to do is make the payment, on time, every time.

What about you?  Do you want to get a FreshStart on your credit?

Apply for a Fingerhut Credit Account (issued by WebBank). Get low monthly payments with no annual fees or overlimit fees. Shop from thousands of trusted brands. Apply Today!