How to Cancel Fingerhut Credit Card

How to Cancel Fingerhut Credit Card

Fingerhut Credit Card is a popular option for individuals looking to build or rebuild their credit. However, there may come a time when you want to cancel your Fingerhut Credit Card. Whether it’s due to high interest rates, better credit card offers, or simply no longer needing the card, canceling your Fingerhut Credit Card can be done easily following a few simple steps.

Here’s a step-by-step guide on how to cancel your Fingerhut Credit Card:

1. Pay off your balance: Before canceling your Fingerhut Credit Card, make sure you have paid off any outstanding balance on the card. This will ensure a smooth cancellation process.

2. Call customer service: Dial the customer service number provided on the back of your Fingerhut Credit Card. Follow the prompts to speak with a customer service representative.

3. Request cancellation: Inform the customer service representative that you wish to cancel your Fingerhut Credit Card. They may ask for some verification details, so be prepared with your account information.

4. Confirm cancellation: Once you have requested cancellation, ask the representative to confirm that your Fingerhut Credit Card has been canceled. It’s always good to have this confirmation in writing for future reference.

5. Cut up the card: After confirming the cancellation, cut up your Fingerhut Credit Card and dispose of it securely. This will prevent any potential misuse of your card.

6. Monitor your credit report: Keep an eye on your credit report to ensure that the cancellation of your Fingerhut Credit Card is reflected accurately. If you notice any discrepancies, contact the credit bureaus to rectify the issue.

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7. Consider alternatives: If you still need a credit card, research and compare other options available to you. Look for credit cards with better terms, lower interest rates, and rewards programs that suit your needs.


1. Will canceling my Fingerhut Credit Card affect my credit score?
Canceling a credit card may have a temporary negative impact on your credit score. However, if you have other credit cards and maintain a good payment history, the impact should be minimal.

2. Can I cancel my Fingerhut Credit Card online?
Fingerhut requires customers to call their customer service to cancel their credit card. Online cancellation is not available.

3. Can I cancel my Fingerhut Credit Card if I still have a balance?
Yes, you can cancel your Fingerhut Credit Card even if you have an outstanding balance. However, you will still be responsible for paying off the balance.

4. Can I reopen my Fingerhut Credit Card after canceling it?
In most cases, once you cancel your Fingerhut Credit Card, it cannot be reopened. You would need to apply for a new card if you wish to use Fingerhut’s services again.

5. Will canceling my Fingerhut Credit Card affect my Fingerhut account?
Canceling your Fingerhut Credit Card will not affect your Fingerhut account. You can still make purchases and payments through your Fingerhut account.

6. Is there a cancellation fee for canceling my Fingerhut Credit Card?
Fingerhut does not charge a cancellation fee for canceling your credit card.

7. How long does it take for the cancellation to take effect?
Once you request cancellation, it typically takes a few business days for the cancellation to be processed.