Fingerhut

Fingerhut Review

Reviews: 52

1.44 RATING
(1.44)

Total views: 4289

Published: 31 December 2018

Posted by: Anonymously

I received a letter from Fingerhut a company that I do business with and have an active current account with regarding a temporary credit line increase of $600.00 which makes my credit line $1900.00 with them but I have to make a purchase equal to $600.00 by August 31, 2015 to keep it or I can make a purchase of a lower amount to make the increase permanent. If I spend $600.00 that is more than 30% of the recommended available credit being used if I spend $570.00 they will still reduce the credit limit by $30.00 which would also have an adverse affect on my credit report. If I decide to spend nothing my report will reflect a deduction in credit of $600.00 because I did not make a purchase. I have tried contacting them and I was transferred 6 times I finally asked for a supervisor and I was left on hold for almost 45 minutes and then my call was disconnected and no one even bothered to call me back. I don’t believe this type of behavior is ethical. Credit ratings are very important to consumers and have a very large impact on daily life and a company should not be allowed to stipulate a credit increase contingent upon a purchase. I have an excellent pay history with this company, never late, pay more than the minimum and as of 5/2015 I am not carrying a balance and I feel as though I am being penalized for being a good customer. How can a company be allowed to mess around with anyones credit like this especially with an unsolicited offer of additional credit. .

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