Fingering can be painful if you are not used to things in your vagina, tampons, etc. It's also a big step for a body that isn't sexually mature. If you haven't gotten your period, then your body isn't producing the level of hormones that would make this really pleasureable for you.
Still, there's no physical danger in fingering, as long as your partner's hands are clean and the nails are short. Emotionally, you might find that it brings up loads of issues - who you do it with, if you're pleased with the situation or not, whether you will do it again.
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