John R.

Fingerhut is a terrible company that overcharges for the products they sell and the apt is 39.99%. And they sugarcoat it by making people think it's convenient and easy for people to pay off. What they don't mention is that there are fees too. 50% of the products are cheaply made and the other 50% is severely overpriced. When I did the math by comparison from Amazon, it's almost a 60% mark up on items right from the start.
Return processes are a pain in the a$$ and the customer service is based out of India. IF you can understand the rep, you'll have to jump through hoops and go through paperwork before you can return the item along with being charged for the said return.
This company is a bunch of thieves and their peons are schooled in stealing hard worked for money.
Simply do the math I just presented and ask yourself if you're ok with spending that much money on over inflated stuff that has a high potential of showing up broken, breaking during regular use, and having to deal with a complicated return process.
I would rest this trash company with a zero of the option was there.
Oh, and BTW, when you try to close/delete your account, you have to qualify depending on what state you're in. That's right, and they make it difficult to close the account. On top of that, they won't tell you if you have a remainder on your balance that's owed but disclaim the punishment if you do exactly that with an excuse of, "that's private information that cannot be disclosed." However, they will close the account without so much as verification.
HORRIBLE COMPANY AND I WILL NEVER DO BUSINESS WITH THEM EVER AGAIN. ALLY FRIENDS AND FAMILY AND ANYBODY WHO'S INTERESTED WILL BE INFORMED AND FOREWARNED TO NOT DO BUSINESS WITH THESE THIEVES.