FML, I now have a Fingerhut account. But not for the reason you think.

There's a Swagbucks deal to apply for a Fingerhut account and get $25 in Swagbucks. I did it. If your credit isn't great, it's not worth having a new account and a credit pull on your credit report, but if your credit is fine, it shouldn't affect anything. Just, for the love of all that is good and holy, don't use the Fingerhut account. It's overpriced cheap Chinese stuff sold at like 200 percent interest. There are so many better ways to get items cheaply if you need them. So go get a Fingerhut account, enjoy the $25 in Amazon gift cards, but then don't use the account. Use my tips for eBay and thrift stores and whatnot instead if you need to buy things and don't have the cash.