2. Fingerhut Credit Account
Score: 13.7 points;
Card Rate’s rating: 4.7 stars (4.7 points);
Credit needed: poor credit (2 points);
Initial credit line: $500 (3 points);
Annual fee: $0 (2 points);
Processing fee: $0 (2 points);
Apart from a relatively high credit line that you get without paying a deposit, the Fingerhut also offers various product deals that include apparel, electronics, and furniture pieces. This card received the best rating from the Card Rate website, out of all regular credit offers and it doesn’t charge you processing or annual fees. The company runs a secured website, and you can’t access it without prior authorization.
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