I had my identity stolen due to a Data Breech. Finger Hut had offered me a card during the nightmare which I took. I started with $250 and 12 months later had $1000 limit but was unable to order merchandise unless I sent a copy of my social security card to out of country reps. I complained and got the issue fixed but it has not stopped. This company is not going to help your credit. Get a secured visa and build your credit that way. Up until the theft I never heard of Finger Hut. They target people with credit issues and overcharge for merchandise that belongs in a garage sale. I paid off my balance and I am done. They did nothing for me and or my credit. Its not worth it. User's recommendation: Stay Away.