Don’t buy electronics or appliances on Fingerhut; the retail markups are wild compared to Amazon. Most folks only use them to report payments for credit rebuilding. If you just opened an account, filter straight to clearance, buy a cheap $20 item to stay active, and watch out for the $15 shipping fee at checkout.

Fingerhut won't give you an automatic welcome discount at checkout. Realistically, you have to sign up for their catalog mailers or opt into emails to grab a targeted "$25 off $100" code. Drop it in the "Promo Code" box during final payment. Watch the crazy retail markups though—the coupon barely offsets shipping.

Fingerhut doesn’t do teacher discounts at all. Honestly, their prices are heavily marked up anyway since it's geared toward credit building. If you really have to buy there, watch your mail for catalog codes or try the standard new customer promo at checkout. Otherwise, you’ll find better classroom gear on clearance at Target.

Honestly, Fetti rewards barely dent Fingerhut’s insane markups. It’s strictly for credit rebuilding. If you have to buy something to keep the account active, pick a cheap $15 item, apply whatever Fetti points you have directly at the final payment screen, and pay the balance off immediately before their brutal APR hits.