Many people get a response within 60 seconds. In most cases it doesn’t take more than a minute or two to get your answer. People who have had trouble getting credit cards in the past because of their credit history are often approved for the account. Even if your credit score is low or you don’t have a credit history at all, you may be approved instantly for a WebBank/Fingerhut Credit Account. There are some people who will not meet the qualifications for a WebBank/Fingerhut Credit Account though. Approval is not guaranteed.

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