Accepted for a Catalogue with Credit
If your application for a Credit Catalogue is approved you now have the chance to go shopping. Congratulations!
If you place an order, it should be dispatched to you really soon. If you chose next day delivery, you could receive your items tomorrow!
Now you can begin to enjoy all of the benefits associated with a Home Shopping Catalogue account.
Try at home, Catalogue returns…
Your Catalogue has lot’s of benefits, including, Trying in the Comfort of your home, free returns if you don’t like the item and much more.
In the old days (makes me feel old saying that) you would usually receive one of those huge Catalogue. These days, the Traditional Catalogues are much smaller, small booklets, mainly due to cost and the fact more customers prefer to shop online.
Littlewoods announced in June 2015 that they have decided to stop their Catalogue in favour of their website.
The Advantages of using the website over a Catalogue include instant Stock updates, Up to date Pricing, meaning Catalogues can be competitive and special offers can be offered to everyone at one time. You may still receive occasional booklets with details of Stock Clearance from your Catalogue and End of Line deals and Competitions and Free Gifts that Catalogues run from time to time.
When your First Order arrives
Along with items you ordered, you will receive a short credit note. If you placed an order for more than one item, your order may come separately in different parcels
Your Catalogues Delivery note
The delivery note enclosed can be used if you need to return an item. You can return an item if it’s not suitable or doesn’t fit. You will only have a short time to decide if you are keeping or returning the items. If you do choose to return items to your Catalogue, they will ask you the reason, usually people return the item as they are the wrong size or maybe they are not as Described .Some items cannot be returned, this would be clearly marked at the time of order.
When will you receive your first Catalogue Statement?
If you keep the items you ordered, you will shortly receive your first Catalogue Statement.
All about your Catalogue Statement…
You Catalogue statement will contain a lot of information, we have listed what you can expect to see, Most Catalogue companies send Paper Statements and have an online area you can view your Statements. Below (image) is an example of the JD Williams online Statement.
You can login to the Catalogue website 24/7 and make a payment, place an order or view your latest Statement.
You should keep your Catalogue Statements in a safe place. Your Catalogue statement will list your Credit Limit, Your Available Limit.
Catalogue Credit Limit
This is the amount of Credit your Catalogue is willing to offer you, this is the maximum you can order up to.
This is your Catalogues Credit Limit minus your Balance and any Pending Orders
Catalogue Payment Due Date
This is the date at least your minimum payment must be received by. This is not the date you should leave it until you make the payment. Please allow up to 3 working days for your payment to be cleared, especially if you choose to pay using the Giro method.
Your Statement will list all of the items you have ordered. If you have ordered items from your Catalogue which have not arrived, make sure you contact your Catalogue company as soon as possible to report this
Your Statement will also list any items you have returned, these will be credited back to your available spend
Your Catalogue may charge a delivery fee, there are also Delivery Supplements for large items and premium delivery charges for Next Day or Selected Delivery days. Details will be presented to you at the time you place your order.
If you use a Coupon or Discount Code on your order from your Catalogue, this should show on your Catalogue Statement.
This is the minimum payment you must make to your Catalogue. Failing to do so could result in a Late charge being added and your Credit rating being affected.
Interest & Fees
Your Statement will include Interest charged and will estimate the interest due next month along with any charges for Late or Missed payments.
Offers and Messages
Often with your Catalogue statement you will receive special offers and deals. You can take advantage of these of throw them in the bin, your choice.
Online Catalogue Statements
More and More Catalogues offer Statements online now, you can view and print the Statements as you choose.
Important Please Remember
- Keep up your repayments each and every month
- Stay within your Agreed Credit Limit
Doing that will put you in good steed for a Credit Limit increase from your Catalogue company.
Remember, you don’t usually have to request a Credit Limit increase, Catalogue companies are great for increasing Credit Limits, usually placing an order can nudge them into reviewing your Credit Limit. As long as you mange the Repayments on this and your other agreements, you will stand a good chance of getting Credit limit increases.