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Credit Card Applications » Questions » User Questions » Limited/Bad/Fair Credit » What kind of card is Fingerhut? Is it secured or unsecured? I have bad credit and I hired ...

What kind of card is Fingerhut? Is it secured or unsecured? I have bad credit and I hired a paralegal agent to help me remedy my credit. He told me to get a secured or unsecured card to start building some good credit history while we work on removing the bad ones to bolster and speed up my credit repairing. Basically what I am asking is if this card would be a wise investment and how exactly it would benefit me. Thank you in advance for your advice.

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Leo Zhu

 is an unsecured shopping account which can only be used at You can buy almost everything there that you need and build credit at the same time. Your activity on the account will be reported to the major credit bureaus, so if you make payments on time and stay within the credit limit you will be able improve your credit scores. You can consider secured credit cards as well. They are widely accepted and are the same as unsecured credit cards except one thing – they require a security deposit. The deposit is usually about $200, but you can pay more if you want a higher credit line. Secured credit cards are reported to the credit bureaus as well.

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