About Fingerhut

Company Overview & History

Fingerhut was founded in 1948 in Minnesota by William and Manny Fingerhut as a mail‑order seller of automobile seat covers. By the early 1950s they expanded into household goods, and in 1969 the company went public. Since then, it has passed through several owners—including Federated Department Stores (now Macy’s) in 1999, followed by Petters Group Worldwide in 2002, and today it operates under Bluestem Brands, Inc.

Fingerhut is known as a catalog and online retailer offering hire‐purchase or “buy now pay later” credit-based plans. These programs enable customers, particularly those with limited credit access, to make purchases and pay monthly over time, functioning as a store-based credit account system Ramsey Solutions

How It Works: Credit Plans and Purchase Model

Customers must open a Fingerhut credit account—either a revolving Fetti account or an installment-based FreshStart account. The Fetti account offers flexible revolving credit, while FreshStart requires a down payment and structured monthly installments. No cash payments at checkout are accepted Ramsey Solutions.

Fingerhut reports payment history to all three major credit bureaus, which can help build or repair credit if payments are on time. However, the associated high interest rates—typically around 29.99% to 35.99% APR—and other fees may make the total cost substantially higher than alternative credit options Ramsey Solutions.

Product Selection & Pricing

Fingerhut's catalog includes electronics, home goods, bedding, furniture, fashion, jewelry and more. Inventory is continually refreshed with seasonal items and current trends. That said, many analysts and users point out the list prices on Fingerhut are often higher than competing retailers, and the added interest dramatically increases the long‑term cost FingerhutRamsey SolutionsBankrate.

Savings & Promo Codes: The Role of ScratchCoup Discount Code

To reduce costs, many shoppers turn to promo offers. Fingerhut regularly features codes for 69% off (e.g. code V69), 40% off, 20% off, free shipping on qualifying orders, and tiered percentage discounts like up to 15%.

Coupons platforms like ScratchCoup list targeted offers labeled ScratchCoup discount code, ScratchCoup coupon code, or ScratchCoup promo code for Fingerhut. Before checkout, entering a ScratchCoup discount code in the promo field can unlock additional savings—even combining with a Fingerhut promo code July 2025, Fingerhut promo code August 2024, or Fingerhut promo code  2025 to stack discounts. Common keywords like fingerhut discount code, fingerhut discounts codes, fingerhut promo code $100 off $300 for existing users, fingerhut 30 off promo code, fingerhut 40 off code all appear on coupon sites and can yield extra reductions when paired with ScratchCoup sorting searches.

Customer Feedback & Reputation

Fingerhut has an overwhelmingly negative Trustpilot rating (≈1.5 stars out of 5 from over 52,500 reviews). Customers report problems such as billing errors, poor resolution of complaints, auto‑charges even after return, and unreachable customer service support. Many also describe the product quality as low relative to its high price—and note that credit protection plans offered by Fingerhut often provide no actual payoff.

At the same time, a few users acknowledge successful credit rebuilding—particularly via the Fetti or FreshStart program when payments are made timely. However, most reviewers caution that high APR, poor service, and overpriced items overshadow any potential benefits Ramsey Solutions.

Returns, Shipping & Policies

Fingerhut typically allows returns within 60 days, though customers are responsible for return shipping unless specified otherwise. Refunds are applied to the Fingerhut credit account rather than issued in cash. Standard shipping can take 5–10 business days; expedited options are faster but cost more.

Potential Risks & Considerations

Debt Trap Risk: High APR and interest charges can inflate total repayment, making small items costly in the long run.

Billing Issues: Reports frequently mention erroneous auto withdrawals, misapplied returns, and unhelpful customer service.

Overpriced Inventory: Products often cost more than elsewhere, and quality is reported to fall short compared to competitors .

Limited Usability: The credit account can only be used with Fingerhut or occasional partner merchants—not accepted more broadly.

Who Might Benefit?

Those aiming to build or repair credit, with on-time payments being reported favorably.

Customers needing financing flexibility, avoiding lump-sum payments when funds are tight.

Shoppers in time-sensitive situations who value immediate availability over cheaper long-term cost—with caveats about interest.

Tips for Using ScratchCoup Discount Code Effectively

Visit ScratchCoup and search keywords like ScratchCoup discount code, ScratchCoup coupon code, or ScratchCoup promo code Fingerhut.

Copy the ScratchCoup discount code into Fingerhut’s promo code box at checkout.

Stack it with relevant fingerhut discount code for existing customers, fingerhut promo code July 2025, fingerhut promo code  2025, or fingerhut 40 off code for maximum discounts.

Always check validity—codes expire, have usage limits, or may not apply to all items.

Frequently Asked Questions (FAQs)

1. How does payment work at Fingerhut?
You must open a Fingerhut credit account—either Fetti (revolving credit) or FreshStart (installment). You cannot pay upfront in full; credit terms begin immediately and payments are reported monthly to credit bureaus.

2. Are Fingerhut’s prices competitive?
Generally no. Many users report higher list prices than other retailers, and the high APR means you often pay more in total for purchases that seem inexpensive upfront.

3. Do ScratchCoup discount codes really help?
Yes. Entering a valid ScratchCoup discount code or coupon code at checkout can significantly reduce your cost. Combining it with a Fingerhut promo code for certain months or amounts often yields layered savings.

4. Can Fingerhut help build credit?
Yes—if used responsibly. Payments are reported to Equifax, Experian and TransUnion. On-time payments on your Fingerhut credit account may help rebuild credit.

5. What happens if I return an item?
Returns must usually be made within 60 days. You pay for return shipping unless otherwise stated. Refunds return to your Fingerhut credit account—not issued as cash.

6. How’s customer service?
Most reviews describe long wait times, unresolved disputes, and unhelpful agents. Billing errors, auto charges, and difficulty canceling accounts are recurring complaints.

7. What's a good strategy if considering Fingerhut?
Use Fingerhut only if financing is necessary. Calculate total cost including interest before ordering. Use ScratchCoup discount code plus up‑to‑date Fingerhut promo codes like $100 off $300 for existing users or 40 off code. Read all terms carefully before accepting credit.

8. Are there better alternatives?
Yes. Other retailers provide clearer financing options, lower costs, and better customer service. Unless credit-building is essential, alternative credit cards or layaway plans offer safer and more economical options.