This just may be the most aggressively stupid commercial I've ever seen, and it's just barely tolerable if you don't watch it with the sound on. No, let me take that back; it's not tolerable even with the sound off. If you keep it muted AND dim the TV to the point where the screen is black, now we're talking.
This whole awful pile of steaming trash features a bunch of people with poor credit celebrating the fact that they've found a company willing to sell them stuff at high interest rates, drawing them in with the promise that this will help them "build credit." "Building Credit," according to Fingerhut, means Buying Things on Credit. Is "paying your bill on time, every time" included in this little lesson being given to children in adult bodies who should have learned how to control their spending a long, long time ago? Don't know- because it's on mute- but I seriously doubt it. I mean, come on- if these morons knew how to handle their money properly, they wouldn't be orgasmic over the ability to buy a lawn mower, and they wouldn't be going wild with joy over buying dozens of other things (like all that grill gear) that they don't really need. Seems to me that these people don't really need to be told the joy of buying on credit, because they experienced that quite some time ago and it's exactly why they are suckers for come-ons from Fingerhut, everyone's favorite warehouse for overpriced garbage that people with decent credit - or, god forbid, CASH- buy at regular stores. What they need is a cold, hard slap in the face and a reminder that Fingerhut- like every other company that extends credit- isn't in the business of loaning money and not getting it back. That lawn mower you're having so much fun with needs to be paid for, you stupid woman. That grill that lets you pretend that you're in the stable middle class for your neighbors has to be paid for too, you pathetic, financially illiterate man.
I'm willing to bet that the production of this commercial was closely tied to the disbursement of stimulus checks over the past 18 months. A lot of people living paycheck to paycheck- but still working- suddenly found themselves with some extra cash, did a little extra shopping, and found that they really enjoyed the sensation of being able to buy something without putting off an electric bill payment or dodging the Rent A Center Repo guy. Now that the extra money has run out, these people are desperate to hold on to that illusion of prosperity goosed by the $2000 or so which just fell out of the sky last year. Their credit rating is still in the toilet, so Fingerhut is their only option if they want to keep Spending and Pretending. Just a theory from someone who- Thank Heavens for a Stable Career- has never gone near Fingerhut, Aaron's, Rent A Center or any other dealer of Temporary Pain Killers for Poor People.