I accepted a Fingerhut account offer. They replied in a few days that my account was opened with a $600 limit, which can be used to buy Fingerhut catalog goods online. Now, for the joke of the story:
1. A new hard credit inquiry appeared on my credit report from Equifax.
(this was hardly worth it for a small Fingerhut account). It appears
that the account will be reported to Equifax, which might help my
credit score in some small way.
2. The big joke. After purchasing 2 small items for an absurd price of
nearly $100, I paid my bill online. To my horror, I find that this
place (Fingerhut / CIT Credit Card) charges $1.00 fee to pay online.
There is no bigger joke in the universe than a place that charges you $1.00 to pay. Would they really rather I mail in a check?!!!! The option
is there for you to pay via your checking/savings account or to a credit or debit card. To my understanding, it is a violation of VISA / M.C. terms for a merchant to CHARGE A FEE TO PAY!!
Does anyone know who or where one can report this activity? I don't plan on using Fingerhut again, because of this fee. Its not the $1.00, its the principal of the thing!
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