Yes, there are other places like Fingerhut for bad credit from which you can get a credit card. For example, Montgomery Ward offers the Montgomery Ward Credit Account, which can be used for purchases at their affiliated stores. This card accepts people with bad credit and reports credit information to all 3 major credit bureaus. Plus, the card comes with a $0 annual fee.

The Montgomery Ward Credit Card is a good option if you're a frequent Montgomery Ward shopper. Otherwise, you're better off with a secured credit card, like the Capital One Quicksilver Secured Cash Rewards Credit Card. This card can be used anywhere Mastercard is accepted and it offers 1.5 - 5% cash back on purchases. It also comes with a $0 annual fee and requires a $200 minimum security deposit.

The easiest way to apply for the Fingerhut Credit Card is online, and you can get to the online application by clicking the “Learn More” button on WalletHub or by going directly to WebBank's website. Alternatively, you can apply by phone.

Keep in mind that the Fingerhut Credit Card requires bad credit, which means you need a 500+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily hurt...

To talk to Fingerhut Credit Card customer service, call 1-800-964-1975 and then press “0”. This process will get you in contact with a live representative who should be able to answer your questions or direct you to the appropriate department.

How to Talk to Fingerhut Credit Card Customer Service by Phone

1. Call the Fingerhut Credit Card customer service department. You can even use the number on the back of your card.
2. Press “0”.
3. Speak to the live...

You cannot check your Fingerhut Credit Card application status.

Once you apply for an account, Fingerhut will instantly decide whether you're approved or not. This way, you will know within minutes, but you might not like their decision.

There are a few things you could do in case your application is denied, though. My personal suggestion would be to become an authorized user on someone else's account.

You can cancel your Fingerhut Credit Card by calling 1-800-208-2500 or by sending a written request to WebBank at:

WebBank
Fingerhut Credit Account Services
P.O. Box 0260
St Cloud, MN 56395-0260

Remember to also cut your card in half and send it back with your cancellation request.

Keep in mind, though, that cancelling a credit card could have a negative impact on your credit score. It's best to just leave the card...

Yes, the Fingerhut Credit Account card is legit, real credit card. The Fingerhut Credit Card card is legit because it is issued by WebBank, an FDIC member that is accredited by the Better Business Bureau and has an "A+" BBB rating. The Fingerhut Credit Card also reports information to the major credit bureaus each month.

Why The Fingerhut Credit Card Card is Legit

• Issued by WebBank, FDIC member and BBB accredited with an "A+" rating.
• Rated 4.7/5 stars by...

Yes, the Fingerhut Credit Account is a credit card. The Fingerhut Credit Card is issued by WebBank, reports to the credit bureaus, and allows you to pay off purchases over time. There are quite a few important things to know about the card before you apply, though.

Key Facts About the Fingerhut Credit Card

• Issuer: WebBank
• For use at: Fingerhut.com
• Credit requirement: Bad credit
• Annual fee: $0
• APR: 35.99%

To summarize, the...

Yes, Fingerhut Credit Account does affect your credit score as the card reports to all 3 major credit bureaus. In the short-term, your credit score may take a small hit since the card does a hard pull when you apply for an account, though you'll build positive credit in the long-term with on-time monthly payments.  

The Fingerhut Credit Card is a good option for someone looking to build credit inexpensively as it accepts people with bad credit and has...

The Fingerhut Credit Account reports to the credit bureaus once each month, within days after the end of your monthly billing period. WebBank reports the card's credit limit, account balance, payment status, and more to TransUnion, Equifax, and Experian.

After the Fingerhut Credit Card card reports your account information to a credit bureau each month, it may take a few days before the updates appear on your credit report. When you first open a new Fingerhut Credit Card credit card,...

No, Fingerhut doesn't send you a physical credit card. If you get approved for the Fingerhut Credit Card, you will receive a credit account number, instead.

You can use this number for purchases online, over the phone at (800) 233-3588, or by mail, using the print Fingerhut catalog.

It's also worth noting that, when you apply for the Fingerhut Credit Card, you typically get an instant decision. Also, you can start using your account as soon as the...