Credit Score:
600
Credit Limit:
800
Age:
45-54
Posted 08/16 2020
Firstly, I do not have -- and have never had -- the greatest credit. To be honest, I didn't have the benefit of being instructed as to the importance of "good credit" was until I was well into my 40s. I am thankful to have been blessed to be offered this card -- yes. However, it didn't take me long to realize that working with it would be more of a hindrance to my conscious effort to improve my score (I use a spreadsheet and monitor ALL PAYABLES DAILY!) and it is because of that I saw that without a MUCH faster 'turnaround' time for payment posts, I may as well paid cash for the purchases I've made. I fully intend to maintain the account, but it has been relegated to the end of the line in terms of 'activity.' We'll see how the company chooses to expedite their payment posting going forward and perhaps it'll be used as an actual credit building vehicle.
Credit Score:
650
Credit Limit:
500
Age:
45-54
Posted 05/02 2020
Accepted this card to bump up my total available credit. Original interest rate has dropped and I keep the balance at $0 (remember you don't need to carry a balance to build credit). Pay on time every time and score jumps. It won't happen overnight. Be patient and credit will improve. Cheers!
Credit Score:
0
Credit Limit:
0
Age:
18-24
Posted 11/26 2019
I make a payment you give me credit I got to weigh 7 day for my cedit be apply I just don't understand this is the first card that do this
Credit Score:
612
Credit Limit:
500
Age:
45-54
Posted 06/15 2017
$500 credit limit. Unsecured card. Nothing about this card impresses me, but I am rebuilding my credit so thats why I pulled the trigger on this one. I started with finger hut, then a credit one card and now this one. I will get rid of it as soon as I can, but at least I have it if I need it. It is very annoying that the payment is out of my bank, the credit card company shows the payment has been made and there is no balance owed, but they still won't make that money available to use yet. At least I have a regular card and I am rebuilding my credit, so It will get better.
Credit Score:
503
Credit Limit:
500
Age:
25-34
Posted 04/01 2017
I am in the process of rebuilding my credit. I got a mailer for this and decided to apply. The fees are high but I figured that I will only keep this card for up to a year max and cancel before the next annual fee.
Credit Score:
537
Credit Limit:
500
Age:
35-44
Posted 03/04 2017
Got this offer from the mail. The fees are high and so is the APR. I have an existing Fingerhut account but I want a regular Visa or MasterCard and I seem to get rejected even by other similar cards like Credit One, FP and Indigo. So I gave this a shot and got approved for $500. My plan is to charge about $20 a month and pay in full and then cancel after one year.
Credit Score:
495
Credit Limit:
500
Age:
35-44
Posted 02/26 2017
Can't believe that I actually pulled the trigger on this card. But I have been turned down by Citi and Wells for their secured card. So, this is perhaps my ticket to a better score. Just got it but I have been putting about $30-$40 a month on the card and paying it off in full. I notice a payment hold for about 7 days but since I only utilize about 10% of my available credit, it does not bother me at all.
Credit Score:
552
Credit Limit:
500
Age:
25-34
Posted 02/18 2017
Got the pre-approved mail and when I applied, I was asked put a $50 deposit for a $500 limit. I did that and have just started using the card. BTW - the do put a 7 day hold on your deposit so you would not be able to use the card then.
Credit Score:
610
Credit Limit:
500
Age:
25-34
Posted 02/06 2017
Here's a quick warning. They put a payment hold on your account for about 7 days. So it is best not to use up your whole limit.
Credit Score:
583
Credit Limit:
500
Age:
25-34
Posted 01/29 2017
The fees are so high. But I have been rejected by a couple of secured cards and even First Premier! So I was glad that at least someone would give me another chance. The one thing to be aware of is that they put a hold on your payment for about a week.
Credit Score:
534
Credit Limit:
500
Age:
25-34
Posted 01/21 2017
Got the pre-approved mail and applied online. I was approved for $500. Have not used it for long so maybe I'll check in at a later date for an update.
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