I signed up for fingerhut on Nov 24, 2010. I was immediatly approved and given a $250 credit limit. That same day, I ordered 6 feather down pillows and a new King Size Bedding set. I received the items on Dec. 3rd 2010, my "free gift" arrived 2 days later (it was 2 christmas stockings, actually quite cute).
My only complaint is there customer service (the products they sell could be higher quality too, but thats what you get when you pay for the convience of monthly payments). Anyways, the day AFTER I ordered my items, I tried signing in again to see if they had anything else I wanted (I still had about $100 credit remaining and intended to pay them in full on my 1st due date) but I couldn't sign in!
I tried over and over, but my email address was not REGISTERED anymore! I called a few days later, and they told me they had a problem with their website and it would all be corrected. 2 weeks later, and it STILL isn't working! In fact, my email address is now registered to someone else's account! I plan on calling them again soon, we'll see what happens. But I don't expect much from people who can hardly speak english. I don't mind overseas customer service.. but they should at LEAST understand basic english and be understandable. People with intense thick indian accents should not work the phones.
Other than that, I was pretty pleased with my items. My comforter is soooo warm, my pillows are nice and soft (altho the feathers like to stick you occasionally). Fingerhut is what it is. If you can't afford to buy something outright at Walmart or wherever, than this is probably your best option. I am only doing it to improve my credit score and buy a few things here and there that I can't afford to buy outright while I'm in school and planning a wedding.