I applied for credit about 6 or 7 months ago and never used it. Got alerted today that my credit now has a note on it. Fingerhut will ding your credit if you do not make a purchase from them. That is without a doubt the most scummy company practice I've seen in awhile. Basically extortion. Total waste of a company. Made a call to corporate and the person said basically "should have bought something" and said it's not their problem. Guess lesson learned