Instant Decision, Catalogues with Credit, Buy Now Pay Later Catalogues 

smallcatalogueHome Shopping Catalogues with Credit allow you to buy now, pay later. You can spread the cost with a Pay Monthly or Pay Weekly Catalogue. All of our Catalogues offer an Instant decision. Each month you will receive a statement from your Catalogue company.If you keep up with the repayments on your Catalogue you could qualify for a Credit Limit Increase. This will allow you to increase your Spending power and could help improve your credit rating.

Featured Catalogue Argos

Catalogue with Credit. Argos offer a Pay Monthly, Catalogue Card. This allows you to Buy Now, Pay Later. Simply choose the items from the Catalogue or Website, Go to the Checkout and choose the Apply for Credit.. If Successful, you can pick up your items in Store within 1 hour or have them delivered to your home the same day! Argos Pay Monthly Catalogue Credit Limits Vary.

Pay Monthly Catalogue

Pay Monthly Catalogues with Credit 

Credit4everyone Catalogue DeliveryOur Exclusive Catalogue directory has a range of Pay Monthly and Pay Weekly Catalogues including Catalogues for bad credit, Catalogues for Christmas 2015 and Catalogues dedicated to Fashion. All of our Catalogues offer Credit Limits and an Instant Decision.

Catalogues with Credit 

UK Catalogues, Pay Monthly, Catalogues with Credit

Bad Credit Catalogue with Credit

If you have bad credit and are looking for a Catalogue, make sure you consider the Choice Freedom Catalogue. With a guaranteed Unsecured credit limit of £500 for accepted customers, the Choice Freedom Catalogue has extremely high approvals and will report your payments back to the Credit Reference Agencies, helping you improve your credit rating.

Very High Approvals, Credit Limits of £500

Catalogues

Catalogue for Bad Credit

The Yes Catalogue Card is aimed at those with Poor Credit. If you have a bad Credit rating this Catalogue account may be just for you, they approve more applications than any other Catalogue with Credit on Credit4everyone! The YesCard Catalogue offers credit limits of up to £2500

Catalogues

Catalogue with Credit

The 24Ace Catalogue offers a Catalogue with credit on a diverse product range features seasonal fashion from famous brands including Converse, adidas, Nike, Firetrap, Henleys, Voi Jeans, Everlast and more, plus a huge choice of Electrical, toys, and garden items too. Best of all, many of Ace’s lines can be personalised free of charge, creating truly unique gifts for weddings, birthdays, Christmas and other special occasions.  

Increase your chance of Success by keeping your first order below £70

Catalogues

Rentals & Rent to Buy

Low Cost Weekly or Monthly Rentals with Dial a TV mean you have no worries if items breakdown. You can enjoy the latest Smart Televisions, Dishwashers, Washing Machines and much more. All delivered to your door. Dial a TV offer both rent and rent to buy options.

Pay Weekly or Monthly

Catalogues

Poor Credit Catalogue with Credit

The Deluxe Gold Card is a catalogue card that prides its self on the fact that you will not be judged purely on your past credit history. The Deluxe Gold Card may even help towards building your credit. Get your Deluxe Gold Catalogue Card Today!

Very High Approvals Credit Limits up to £2500

Catalogues

Catalogue with Credit

Look Again is crammed with fashionable wardrobe items and inspirational items for the home. Lookagain.co.uk is a fresh new site from the Freemans Grattan Group. It’s ultra-stylish and users can easily navigate the online store. Look Again offer gorgeous clothing, footwear and interior items, plus there is a host of useful interactive tools designed to make shopping a dream.

Look Again Credit Limits vary but can start from £70+

Catalogues

Catalogue with Credit - Buy Now Pay Later Catalogue Card

Buy Now, Pay Later with the Argos Catalogue Card. You can now spread the cost of Gifts and Home Improvements, Simply select the items you want, at the checkout choose the Buy Now Pay Later Option. If successful, you will receive an Argos Card and can spread the cost of your repayments just like a Catalogue. The application can be approved online and the items delivered to your door! Once your card has been approved, you can use it online or in-store. Easy Application, Credit Limits Vary.

Catalogues



Interest Free Credit - Buy Now Pay Later

Interest Free Credit Available! Bensons for Beds now has over 270 stores nationwide making it the 2nd largest furniture retailer after IKEA. 0% credit available and lot’s of offers and deals available. Famous brands include Slumberland, Silentnight, Sealy, iGel, Tempur and many more. You can shop for beds, Mattresses and bed frames. Delivery to your home. So for the latest Bedroom Furniture, Divan beds, and more, check out the latest offers available today at Benson for Beds.

Instant Decision

Buy Now, Pay Later

Catalogues

Catalogue with Credit

The 24 Studio Catalogue prides itself on it’s incredible range of great value products. The Catalogue is packed with a huge range of goods including Home Accessories, Toys Clothing and much much more. You can also buy Personalised gifts for that extra special occasion. Our Personal favourite is the 24 Studio Christmas Department, updated throughout the year, you can buy Christmas Cards, Christmas Trees and Christmas Decorations and plan in advance for Christmas! So if you are looking for an all over Catalogue packed with Top Brand names like Firetrap, Apple etc, then look no further - Studio has you covered!  

Increase your chance of Success by keeping your first order below £70 .

Catalogues

Catalogue with Credit

BonPrix Catalogue with credit have Some 13,000 products including lingerie, womenswear, menswear and kids wear. BonPrix offer unbeatable prices. If you are looking for a Fashion Catalogue then BonPrix is a good choice.

Credit Limits vary but range from £70 - £1000 for new customers

Catalogues

Interest Free Credit - Pay Monthly

Bed Shed aims to bring you great quality beds at unbeatable prices, saving you shed loads. From divan beds to bed frames to mattresses and a large range of bedroom furniture to complete the look. Interest Free Credit available

Catalogues

Pay Monthly Catalogue with Credit

Kaleidoscope Catalogue offers A layer of lace here, a splash of colour to catch the eye. At Kaleidoscope they know detail makes all the difference. So if you prefer fashion with flavour, you’ll love the detail on show in the Kaleidoscope collection. You will discover the delicious distinctive detail that makes Kaleidoscope stand out from anything you will find on the high street – for all the right reasons. . We deliver to addresses with UK postcodes, which include Northern Ireland.

This catalogue offers Credit limits from £100 - £1000 for first time orders.

Catalogues

Pay Monthly Catalogue

Witt International has an extensive range of women’s and men’s clothing in both UK and European sizes at affordable prices. Plus, ordering couldn’t be easier with our catalogue quick order. We offer simple and secure ordering online with easy access to your personal online account and exclusive access to the newest styles. Witt Catalogue helps you spread the cost with a Catalogue Credit account Credit Limits usually start from £100 plus

Catalogues

Fashion Catalogue with Credit

We believe that swimwear should be an extension of your own personal style. Swimwear365.co.uk offers swimwear from top brands such as Adidas, French Connection, LASCANA and many more with competitive prices. Search the site for specific items by size, cup size, category, colour, figure shape and style, and find perfect fitting swimwear for your body type. Credit Limits start from £70 – You can use your Credit account on other websites within the brand.

Catalogues

Pay Monthly Catalogue with Credit

The Curvissa Catalogue with Credit believe Plus size fashion shouldn’t be about compromise, it should be about choice. Curvissa.co.uk offers a selection of over 3,000 quality fashion items in sizes 14 – 32, giving you a comprehensive collection of plus size clothing that includes everything from trousers and tops, to jackets and jeans. Apply today for an instant decision and spread the cost with easy monthly repayments.

Catalogues

Fashion Catalogue with Credit

Fashion World Catalogue with Credit, As seen on TV. Fashion World specialises in offering flattering clothing and lingerie to help customers keep up with the latest trends that best suit them. Fashion World Catalogue Credit Limits usually start from £100 upwards.

Catalogues

Buy Now, Pay Later, with the Brilliant Gift Shop Pay Monthly Catalogue with Credit

The Brilliant Gift Shop Catalogue with Credit. This Catalogue is packed with Personalised Gifts, Products for your home, Electrical Items such as Televisions, Consoles and much more. Ideal Catalogue for Christmas!.

Spread the cost with a Buy Now Pay Later Catalogue. If successful, your credit limit will be at least £100

Catalogues

Catalogue with Credit

The JD Williams Catalogues is a fantastic Catalogue company for those with previous credit problems looking to rebuild their credit rating. place and order, keep up with the repayments and your Credit limit will be reviewed after just a couple of months, Jd Williams Catalogues offer Consoles, Electrical Items, Gifts and much more.

When you open an Jd Williams Catalogue account you can look forward to a Credit limit of around £100+

Catalogues

Credit Catalogue

Jacamo customers keep their wardrobe up to date with menswear for all occasions from cool casual wear to great fitting, tailored suits. The site is dedicated to providing big name brands in a big range of sizes; hassle free. A Catalogue with Credit for the latest fashion trends. Credit Limits usually start around £125

Catalogues

Catalogue with Credit

As France’s No. 1 fashion collection, everything you see at La Redoute will have that touch of chic French style about it. A couple of clicks is all it takes to find what you’re looking for! Credit Limits usually start from £150

Apply for a La Redoute's 'style' credit account, Credit limits usually start from £150+

Catalogues

Catalogue with Credit

The Simply Be Catalogue - As well as our own gorgeous clothing, Simply Be brings you the most fabulous fashion from big brands and designers all in sizes 14-32. Credit Limits start from £125

Catalogues

Buy Now Pay Later - Catalogue with Credit

The Daxon Pay Monthly Catalogue believe Every woman deserves to feel confident in what she wears. And that’s why Daxon is dedicated to classic, elegant styling, superior comfort and great value.

The Daxon Catalogue offers a Credit facility which can help you spread the cost over easy affordable monthly repayments. Credit limits usually start around £150+

Catalogues

Catalogue with Credit

Fifty plus Catalogues with Credit is a great catalogue account for the mature woman who is still very much young at heart. Clothing is available in sizes 12-34 and Shoes in sizes 4-9 with width fittings D to EEE. Bras are available in back sizes 34-54 with cup sizes A to JJ. Credit Limits for the fifty plus catalogue usually start from £100 upwards.

Catalogues

Catalogue with Credit

Catalogue with Credit, House of Bath, Quality Furniture and Decor for every room in your home. Find Unique items not readily available on the high street, reflect your taste with stylish products in natural tones and paler shades with the House of Bath Catalogue. Credit Limits start from £100 upwards.

Catalogues

Credit Catalogue

Premier Man Catalogue With Credit offers you the chance to Shop for your whole wardrobe from casual wear to tailored suits in sizes up to 5XL. Apply for a Credit Account today and you could get a credit limit starting from £150+ Instant decision catalogue

Catalogues

Pay Monthly Catalogue with Credit

As seen on TV, The Marisota Catalogue provides the latest fashions, designed to flatter every figure. Marisota girls can be assured that they will look and feel gorgeous whatever their shape or size. Buy Now, Pay Later, Catalogue with Credit Limits usually starting at £100

Catalogues

Catalogue with Credit

Vertbaudet specialises in unique childrenswear which cannot be found on the High Street and provides the latest high quality styles for mums-to-be, babies and children aged up to 12 years. This catalogue is aimed at Children and is a must for Unique French style fashion. Open a Credit Account and spread the cost. Apply for a Vertbaudet credit account, Credit limits start from £100+

Catalogues

Catalogue with Credit

Julipa Catalogue provides smart fashion that is cut to fit and flatter the mature woman. We have fashion for all occasions available in sizes 10-30 and stylish footwear in sizes 4-9, D to EEEE widths. Julipa always strives to provide value for money and choice.

This catalogue offers Credit and credit limits usually start from £100 upwards.

Catalogues

Catalogue with Credit

Ambrose Wilson specialises in figure flattering clothing, footwear and lingerie. There are many styles of womenswear available in sizes 12-34 and bras in sizes 34-56 with cups A to K. .

If you are looking for a Fashion Catalogue with Credit apply today and you could enjoy a Credit limit starting from £125 up

Catalogues

catalogueCatalogues for Bad Credit

Catalogues for Poor Credit. Having a bad credit rating doesn’t have to stop you enjoying all the benefits of buy now, pay later. A Catalogue with Credit could help you rebuild your Credit Rating. All of the Buy Now Pay Later Catalogues in this section offer an Instant decision and your Catalogue application will not be purely based on your previous credit history!

Catalogues for Bad Credit

If you have a Poor Credit rating this account may be just for you, they approve more applications than any other Catalogue with Credit on Credit4everyone! Rebuild your credit history and get up £2500 credit limit

Poor Credit Catalogue

catalogues for bad credit

This Catalogue will not judge your application on your Poor Credit History. Use this Catalogue with Credit to rebuild your Credit History and enjoy very high approvals.

The Deluxe Catalogue Card is aimed at those with Bad Credit

Bad Credit Catalogue

catalogues for bad credit

The Choice Freedom Catalogue offer Catalogues with £500 Credit limited guaranteed for those accepted. Very High Approvals guaranteed

It’s the next best thing to a No Credit Check Catalogue

£500 Credit Limit Bad Credit Catalogue

catalogues for bad credit

Pay Weekly or Pay Monthly for anything from LCD TV’s to Fridge Freezers and other White goods you need. Rent or Rent to Buy, FREE Repairs

Affordable Repayments

Bad Credit Accepted!

catalogues for bad credit

catalogueFashion Catalogues with Credit

Buy Now, Pay Later and Spread the Cost on Fashion with a Credit Catalogue. Enjoy One off looks and the Latest Designer Labels. Apply today and get an Instant Decision.

Fashion Catalogues with Credit

Look Again is crammed with fashionable wardrobe items and inspirational items for the home. Lookagain.co.uk is a fresh new site from the Freemans Grattan Group. It’s ultra-stylish and users can easily navigate the online store. Look Again offer gorgeous clothing, footwear and interior items, plus there is a host of useful interactive tools designed to make shopping a dream. Credit Limits can start from £70+

Fashion Catalogues

Fashion, Designer Labels and One off Looks, you will find top names like Superdry, Nike and AX Paris. The Studio brand offers a large range of Ladies, Mens and Children's Fashion. Apply for your Catalogue with Credit today.

Fashion Catalogues

We believe that swimwear should be an extension of your own personal style. Swimwear365.co.uk offers swimwear from top brands such as Adidas, French Connection, LASCANA and many more with competitive prices. Search the site for specific items by size, cup size, category, colour, figure shape and style, and find perfect fitting swimwear for your body type. Credit Limits start from £70 – You can use your Credit account on other websites within the brand.

Fashion Catalogues

Jacamo customers keep their wardrobe up to date with menswear for all occasions from cool casual wear to great fitting, tailored suits. The site is dedicated to providing big name brands in a big range of sizes; hassle free. A Catalogue with Credit for the latest fashion trends. Credit Limits usually start around £125

Fashion Catalogues

There are Some 13,000 products including lingerie, womenswear, menwear and kidswear are available at bonprix at unbeatable prices. Apply today for an instant decision. Buy Now, Pay Later Catalogue- Credit limits vary.

Fashion Catalogues

Fashion World, as advertised on TV, specialises in offering flattering clothing and lingerie to help customers keep up with the latest trends that best suit them. Credit Limits start from £100

Fashion Catalogues

Vertbaudet specialises in unique childrenswear which cannot be found on the High Street and provides the latest high quality styles for mums-to-be, babies and children aged up to 12 years. This catalogue is aimed at Children and is a must for Unique French style fashion. Open a Credit Account and spread the cost. Credit Limits start from around £100

Fashion Catalogues

Julipa provides smart fashion that is cut to fit and flatter the mature woman. We have fashion for all occasions available in sizes 10-30 and stylish footwear in sizes 4-9, D to EEEE widths. Julipa always strives to provide value for money and choice. Customers who have trouble being accepted for Credit can find a higher approval rate with this catalogue. Credit Limits usually start from £100+

Fashion Catalogues

As France’s No. 1 fashion collection, everything you see at La Redoute will have that touch of chic French style about it. A couple of clicks is all it takes to find what you’re looking for! Credit Limits usually start from £150

Fashion Catalogues

As advertised on TV, Marisota provides the latest fashions, designed to flatter every figure. Marisota girls can be assured that they will look and feel gorgeous whatever their shape or size. Buy Now, Pay Later, Catalogue with Credit Limits usually starting at £100 Credit Limits start from £100

Fashion Catalogues

Shop for your whole wardrobe from casual wear to tailored suits in sizes up to 5XL. Open an account today and get up to £150 Credit to spend in your Catalogue. Easy monthly repayments – Apply now, instant decision. Credit Limits usually start from £100

Fashion Catalogues

As well as our own gorgeous clothing, Simply Be brings you the most fabulous fashion from big brands and designers all in sizes 14-32. Credit Limits start from £125

Fashion Catalogues

A great company for those with a low credit score looking to build up their credit score. The JD Williams group offer regular credit limit reviews when your account is run well. Credit Limits can be increased within a few months. Remember to keep first orders low, credit limits start around £100.

Fashion Catalogues

Plus size fashion shouldn’t be about compromise, it should be about choice. Curvissa.co.uk offers a selection of over 3,000 quality fashion items in sizes 14 – 32, giving you a comprehensive collection of plus size clothing that includes everything from trousers and tops, to jackets and jeans. Apply today for an instant decision and spread the cost with easy monthly repayments.

Fashion Catalogues

Ambrose Wilson specialises in figure flattering clothing, footwear and lingerie. We have many styles of womenswear available in sizes 12-34 and bras in sizes 34-56 with cups A to K. If you are looking for a Catalogue with Credit for fashion, apply now and enjoy a credit limit usually from around £125+.

Fashion Catalogues

Fifty plus is a great site for the mature woman who is still very much young at heart. Clothing is available in sizes 12-34 and Shoes in sizes 4-9 with width fittings D to EEE. Bras are available in back sizes 34-54 with cup sizes A to JJ.

Fashion Catalogues

verycatalogueSpread the Cost of Christmas 2016 with a Buy Now Pay Later, Christmas Catalogue with Credit

Start planning for Christmas 2016 and Spread the Cost of Christmas with a Buy now, Pay Monthly Christmas Credit Catalogue. You will find a range of Christmas Catalogues including Toy Catalogues, Catalogues for Christmas Gift and Catalogues offering personalised Christmas presents. All of the Catalogues with credit offer and Instant decision

Christmas 2016 Catalogues with Credit

Bad Credit Catalogue with Credit

The Deluxe Gold Card is a catalogue card that prides its self on the fact that you will not be judged purely on your past credit history. The Deluxe Gold Card may even help towards building your credit. Get your Deluxe Gold Catalogue Card Today!

Very High Approvals Credit Limits up to £2500

Christmas Catalogues

Buy Christmas gifts and Personalised items for your friends and family with 24Studio. Credit Limits start from £60+, so keep your first order low for the best chance of success.

Christmas Catalogues

Argos is the number one destination for Christmas gifts, from toys and perfume through to expensive items like iPads and Laptops. Apply for the Argos Store card and have items delivered to your home or pick up in store and use your Catalogue with Credit to buy now, pay later.

Christmas Catalogues

From Toys through to Personalised Christmas gifts and presents, JD Williams offers everything you need including Decorations and Christmas Trees. Credit Limits start from around £125+

Christmas Catalogues

Impress friends and family with Personalised gifts and lot's more. 24Ace offer unique items through to designer brands. Credit Limits vary, but try to keep your first order to know more than £60 for the best chance of approval

Christmas Catalogues

Look Again offers Christmas gifts, Designer brand labels and more. Thousands of gift ideas for you to sit at home and choose. Credit Limits vary and can start from around £100+

Christmas Catalogues

Buy Unusual and Stylish gifts for Christmas from House of Bath, they have a huge range of quality items. Credit Limits Vary (usually start from £125+)

Christmas Catalogues

25932150_sPay Weekly Catalogues

Pay Weekly Catalogues offer you the chance to make your Catalogue repayments on a Weekly basis. If you are paid or receive Benefits weekly, paying weekly could be a solution.

Pay Weekly Catalogues with Credit

Pay Weekly on a range of items including Television Sets, Hoovers, Washing Machines and much more. Dial a TV offer the flexibility to pay items on a Weekly or Monthly basis.

pay weekly

About Credit Catalogues, Home Shopping, catalogues…

Buy Now Pay Later Catalogues

fashionBuy Now Pay Later with our large range of Catalogues. You can apply for your Catalogue in just a few minutes and get the items you need delivered to your door step. Spread the cost with easy and affordable monthly repayments.

How Catalogues with Credit Work… 

Your first order with any Catalogue Company is going to be Subject to Identity, affordability and Credit Checks. It all Sounds very scary but it’s nothing to worry about.

No Credit Check Catalogues

There is no such thing as a No Credit Check Catalogue. All Catalogue companies have a legal requirement to ensure responsible lending and to carry out Identity checks (which are done online) via a credit search.

Being registered on the Electoral Register is going to improve your chances of being accepted for a Catalogue with Credit immensely.

Catalogues for bad Credit…

The good news is that opening and running a Catalogue account can help you improve your credit rating. Simply place an order and make the repayments on time each month and remember to stay within your credit limit, If you don’t, you could hurt your Credit Rating.

Credit Catalogues & Credit Scoring…

Catalogue companies will credit score your applications when you apply. Credit Scoring is a formula only known by the Lenders themselves and they will score hundreds of pieces of information from your application and the information they receive back from the Credit Reference Agency. Credit Scoring varies from Catalogue to Catalogue, for example, some are easier to be accepted than others if you have a Checkered Credit History.

The main purpose for Credit Scoring is to help them make a decision on how you will run a Catalogue account, it’s designed to protect them from losses and risks.

Credit Catalogues for people with Defaults, CCJ’s…

A lot of people with a Poor Credit rating have been accepted for a Catalogue through Credit4everyone. This includes customers with previous County Court Judgements, Defaults and even those with discharged bankruptcy.

We also help those who are trying to build their Credit History from scratch. Starting a Credit Journey can be just as hard as rebuilding one, as you won’t have past borrowing history, therefore it’s hard to show any lender how you will run your affairs. Customers who are new to credit can find it easier to be approved for a Catalogue than other financial products such as Credit Cards or Personal Loans. If you are looking at getting on the Credit Ladder or rebuilding your credit you should apply (and keep your first order) to a low value.

Please ensure you can afford to make the repayments before you apply, a Catalogue is a great tool to building or rebuilding your Credit rating, but only if used correctly.

Your First Order – Buy now pay later Catalogues…

Your first order is very important. You may of picked out several items (for example) A brand new pair of Designer Jeans, A top of the range Hoover, a new Shiny Washing Machine. Catalogue companies are much more likely to offer Small Credit Limits at the beginning. Often too low to make several purchases at one time. The main purpose of setting such low credit limits is to see how you manage the account and how you make your repayments.

By keeping your first order low, you are much more likely to be approved.

Customers who attempt to buy High End Electrical items such as 50 Inch Televisions or High End Laptops are going to find their orders declined than those opting for a small item such as a Kettle. So try and keep your first order value low. It’s going to help and make it a lot more likely for approval.

Catalogue Credit Limits…

25932150_sCatalogues with Credit are a brilliant way to buy now pay later, build a credit rating and buy things we need in an emergency. Keeping your first order low is going to improve your chances of success. Once you have placed your order and it’s been accepted, keep up the repayments and you will most likely see a Credit Limit increase within 2-6 months.

Credit Catalogues usually increase credit limits pretty quickly. In fact, it’s not uncommon for Catalogue Credit Limits to increase fast and high when you manage your account well.

First Orders – Big Orders Can Fail…

Catalogues suffer from Fraud, so they have to be  very careful about releasing large items on a first order. You wouldn’t want to be declined just because they were worried about ID fraud as an example.

Remember – Credit Limits do often increase pretty fast and Catalogue companies are more than happy to dispatch larger items once they have seen good account conduct, such as regular payments made on time, as this limits the risk to them.

To Qualify for a Credit Limit increase with your Catalogue company Place an order and if possible, set up a direct debit, this means you are much less likely to miss repayments. Keep up the repayments on your Catalogue company, make sure you take a note of the due date of all payments. Ensure you are making at least the minimum payment due and you will often see your Credit limits increase.

IMPORTANT Try to keep up with repayments on all of your other Credit Agreements like Mobile Phones, Credit Cards etc. Catalogue companies like other financial institutions report your behaviour back to Credit Reference agencies, they could also receive a feed from the Credit Reference agencies about your overall financial dealings. Some are doing this to prevent risk. It’s then easy for a company to see when problems are likely to happen.

Showing you are managing your other Credit well is going to help with Credit Limit increases. It’s also going to improve your Credit rating over time.

Catalogue companies are much more likely to increase your Credit Limit if they see you are keeping up to date with all of your credit agreements as well as your Catalogue account.

Some catalogues even increase limits after the first statement, usually once they have received their first payment, although most usually do it after 2-4 months.

If you really need to be place a large order, you may be asked to pay a deposit towards the item. The Catalogue company will email or call you if they offer this option.

Pay Monthly Home Shopping Catalogues with Credit, Credit Scoring …

Pay Monthly Catalogues

swimEvery Catalogue company will have a different Credit Scoring Policy and therefore it’s impossible to tell you which company is the best to apply if you have had previous credit problems for example. Below we have listed some options you can consider.

JD Williams have a number of Catalogues. You can find pretty much everything you need from one of their Catalogues, including Personalised gifts (available through the Brilliant Gift Shop Brand). Usually Credit Limits on JD Williams accounts can start at around £100. JD Williams and all Catalogues within this group offer an instant decision when you apply for a Credit account.  If you are successful, your Credit limit will show like the image below.

credit

Catalogues from Candid Collections 

Gratton/Freemans Group (OTTO) 

Gratton, Freemans and Look Again sometimes offer accounts to people with a Poor Credit Rating. Credit Limits will often start pretty low, in fact, we have been aware of Catalogue Credit Limits to start from £70. If you have a Poor Credit Rating, you could try an application for a Look Again, Gratton or Freemans Catalogue. To improve your chances of Success, you should be registered to vote (be on the Electoral Register) and you should have some evidence of running credit well. These Catalogues don’t offer an instant approval at all times, therefore at times, a decision will be emailed to you. Often within a few days.

Express Gifts 24Studio and 24Ace Catalogues.

24Studio and 24Ace have great Catalogues, they are packed with Personalised gifts, fashion and electrical items. A few years back, Findel PLC, Some people know them as Express Gifts, were known as the Bad Credit Catalogue.

24Studio and 24Ace can still accept those with poor credit, However, this Catalogue is now more aimed more at those who have already started to improve their credit rating (so those who have kept up repayments over the past 12 or 24 months) for example.

So this Catalogue is more aimed at those who have started improving their credit rating and have a recent record of making payments on time. So whilst customers with previous Defaults and CCJ’s can be accepted, they do tend to refuse any customers who have had CCJ’s or Defaults issued in the past 1-2 years. Credit Limits with 24Ace and 24Studio Catalogues are usually low to begin with. Credit Limits can start from £60 upwards. Credit Limits are reviewed monthly, so you could see a Credit Limit increase within the first few months.

Red Cats 

Catalogues from RedCats are aimed at French Fashion. They have wonderful exclusive designs not available elsewhere. In the past, LaRedoute and Vertbaudet Catalogues have approved people with a less than perfect Credit History. They are most likely to approve applications from customers without CCJ’s, and you should not really try this Catalogue if you have received a Default or County Court Judgement in the past 3 years. This Catalogue is more aimed at those with a Fair/Good Credit Rating. That being said, some customers with a Poor Credit Rating have been successful, so it could be worth a try if you desire. Credit Limits often start from £150 upwards. You should be registered to vote (be on the Electoral Register) and have no recent payment problems. If you have received a default or CCJ in the past 2 years, We would say don’t waste a Credit Search on these, wait for a while and build up your Credit History first.

Littlewoods Group (The Littlewoods Group, including the Very Catalogue, K&Co Catalogue, Woolworths Catalogue are often available to those with a Good Credit Rating. They do consider some with a below average rating, but are much more likely to decline applications due to a poor credit rating.

Credit Limits vary and often range between £100 and £1000 for the first order. Credit Check is done online and an instant decision is often made at the time of application.

Instant Decisions made by Very/Littlewoods etc are then usually checked over by their Credit Department. So whilst there is some evidence of Customers who are rebuilding their Credit Rating being approved, there is also evidence of a lot also being rejected.

Very Poor Credit Rating?

We now have new options for those with Very poor credit ratings, if you have tried one of our main stream catalogues and have been rejected, you could consider the following Catalogues which offer a Credit Facility and are aimed at those with Very poor Credit ratings, such as those with recent Defaults and or County Court Judgments. These Credit Catalogues will report your Credit history back to the Credit Reference agencies, so can help improve your Credit rating.

The Yes Catalogue – Very High Approvals and do accept customers with CCJ’s and Defaults Apply here

Deluxe Gold Card Catalogue – Again, very high approvals and accepts CCJ’s Defaults and even customers with a discharged bankruptcy Apply here

Choice Freedom Catalogue – Guaranteed £500 Credit Limit for those accepted, accepts customers with very poor credit ratings – Easy Application Apply here.

Home Shopping Catalogues with Credit – The Application

Catalogues with Credit

wittSo as we say, applying for your catalogue is very easy. You can apply online and get an instant decision with an instant credit limit. You can then place your order right away and enjoy your items within a day or so (depending on stock and delivery terms)

What your application Will Require…

If you have had previous credit problems, we have a whole section below which can help you make a decision about which Catalogue is going to be most suitable. Home Shopping accounts, Catalogues are a great way to shop, you can try before you buy and enjoy some Super’b welcome deals, new customers can be offered deals such as 20% off first orders.

A few useful things  to know

First time orders are usually only available to your home address (this is done for security reasons) and Larger items may take longer to arrive as they are often sent direct from Suppliers.

Remember, personalised gifts and certain products are probably going to be restricted from being returned.

Try Before you buy…

Catalogues offer free returns. If you take an item and it’s not your style or it doesn’t fit, you can arrange to have the item returned. This is another advantage to a Catalogue account.

The Application

DO NOT LIE, Do not change your date of birth, Surname or time at address etc. We have to be very clear here. It’s not going to improve your chances of success and it can lead to very serious problems. Lying on applications for credit is fraud and is a criminal offence! Making an application using false details can lead the Catalogue company to reporting your information to CIFAS.  The Uk Fraud Prevention service. This information can be accessed by Law Officials. Being reported for Fraud could see other Credit accounts such as Bank accounts you hold being closed. So  please don’t do it. It’s a myth that doing so will help you open a new Catalogue account. All of the information you provide can be screened at National Hunter. So don’t lie about Salary, Outstanding Debts, Employment Status, Marital status, Age etc.

No Credit Check Pay Monthly Catalogues with Credit

No Credit Check Catalogues

Home Shopping CataloguesThere is no such thing as a No Credit Check Catalogue. All Home Shopping (Catalogue companies) have a legal requirement to ensure both responsible lending and to carry out Identity checks. These are all done within a few seconds of you applying for a Catalogue account.

If you are looking for a No Credit Check Catalogue, then the chances are you have a Poor or Bad Credit Rating, or you have previously been rejected for a Catalogue.

The next best thing to a NO Credit Check Catalogue.

We could still help you get accepted for a Home Shopping, Catalogue with credit.

CATALOGUES FOR BAD CREDIT…

verycatalogueWe work with Catalogue companies willing to offer a Catalogue with Credit for those with Poor Credit, as they don’t base your application purely on your previous credit history. This is good new for people with bad credit. Usually a Poor Credit Rating is caused by previous credit problems like missed payments, making too many applications for credit over a short period of time or more serious issues like County Court Judgements (CCJ’s) and Defaults.

By opening a Catalogue with credit and running it well, you can start to rebuild your credit rating.

FEATURED BAD CREDIT CATALOGUE

YesCard Catalogue – Almost everyone approved!
yescard-2-2It’s the next best thing to a NO CREDIT CHECK Catalogue – The YesCard Catalogue with Credit can approve applications from people with poor credit. The YesCard Catalogue approve more applications that any other Catalogue on our website. You can enjoy an Instant decision and a Credit limit of up to £2500 to spend at your new Catalogue. 

CATALOGUES ELEIGIBILITY CHECKER.

Catalogues for all the familyCatalogues with Credit all have different Credit Scoring Policies. This means if you are declined by one Catalogue company, you could easily be approved by another.

It’s impossible for us to tell you which Catalogue is the best for you to personally apply for.

Credit4everyone have launched the Uk’s first Catalogue Eligibility Checker.

Simply enter your details and our clever system will score your Catalogue application. We will then search through all of the Pay Monthly Catalogues and try and match you with the most likely Home Shopping accounts based upon your Credit Score.

Using our Catalogue Eligibility Checker will not lower your Credit Rating, Applying for too much credit in a short period of time can lower your Credit Rating. For that reason, our Catalogue Eligibility Checker  could help improve your chances of success in obtaining a Catalogue.

catalogue

Catalogue Eligibility Checker

Credit4everyone is the first company in the World to offer a Catalogue Eligibility checker. Enter your information honestly and we will score your application to see if you Qualify for a Catalogue, we are seeing excellent results, give it a try today.

Try our Catalogue Eligibility Checker today

Check your Credit Report before you apply for a Catalogue

Check your Credit Report – FREE 30 day trial 

scorIf you wish to check your Credit Report before you apply for a Catalogue, why not take advantage of this totally free 30 day trial. Enter your information and you can view your credit file and credit rating.

What does your Credit Rating say about you?

Your new Catalogue company is likely to request a copy of your Credit file, to ensure everything is up to date, you can check your report for free, or click here to view your Call Credit or Equifax Credit file for free.

Benefits of Catalogue Shopping

wittThere are lot’s of benefits for Opening and shopping with a Catalogue account. These include…

  • Spread the cost of Expensive items, pay in easy to manage instalments
  • Can help Improve your Credit Rating
  • Next Day Delivery available on hundreds of items*
  • Extended Warranties available on Selected items
  • Free Gifts and Offers for Customers
  • Delivery to your Home or any address you choose**

*Selected catalogues.

** Subject to terms and conditions

Pay Monthly Catalogues…

Which Credit Reference Agency do Catalogues with Credit Check?

creditexpertWhen you apply for a Catalogue with credit, the Catalogue company will search your Credit file through a Credit Reference agency. Below are the Credit Reference agencies each Catalogue company is know to use. Remember, Pay Monthly Catalogue companies may search more than one Credit Reference Agency. The table below is a Guide only.

It’s also worth remembering that your Pay Monthly Catalogue company will also report back your repayment history to the Credit reference agencies. Catalogue companies usually report back repayment information to all three Credit reference agencies.

Table accurate as of 22 December 2015

Pay Monthly Catalogue Credit Checks at Equifax Credit Checks at Experian
REDCATS GROUP LaRedoute Catalogue, Vertbaudet Catalogue  tick
Findel plc 24Ace Catalogue, 24 Studio Catalogue  tick
OTTO GROUPLook Again, Swimwear24, Bonprix, Kaleidoscope & Witt International  tick  tick
Candid Collections JD Williams Catalogue, The Brilliant Gift Shop Catalogue, Marisota Catalogue, Jacamo Catalogue, Juplia Catalogue, Simply be Catalogue, The Shoe Tailor Catalogue, House of Bath Catalogue, Ambrose Williams Catalogue, Fashion World Catalogue  tick  tick

Catalogues with Credit – Your Application for a Catalogue…

 

swimApplying for a Home Shopping Catalogue with credit

Once you have selected the Catalogue you want and an item or two, it’s time to make the application for the Catalogue.

This is going to take a couple of minutes. You will be asked some basic information, like your Name, Your address history (usually for the past 3 years), your date of birth and your telephone number.

Catalogue Credit Check

When you have entered all the information asked, the Catalogue company will perform a Credit Check.

Usually the Credit check will only take about 30 seconds to complete and usually an instant decision will be provided to you.

How Catalogues with Credit make their decision – Credit Scoring

Catalogue companies will credit score your applications when you apply for credit with them. Credit Scoring is a formula which awards points for bits of information from the Application for you complete as well as information the Credit Reference agency provides to them.

All of these points are added together and will help the Catalogue make an instant decision. If you score enough points, your application for a Credit account with your Catalogue will be approved, if you don’t score enough points your application will usually be declined.

Credit scoring is common for all types of lending, from Credit Cards through to Personal Loans. It’s been around years and helps lenders make a fast decision.

Credit Scoring is not based upon one piece of information. Credit Scoring does not Score your Sex or Religion.  The Catalogue company will score literally hundreds of different pieces on information it gathers and it is used to predict account conduct and risk.

Catalogue Application Rejected because of Credit Scoring

Credit Scoring will vary from Catalogue to Catalogue. So if one Catalogue Company rejects your application for a Home Shopping account (catalogue) , it does not mean that will be the same outcome with another Catalogue. So if Look again rejects your application, it doesn’t mean JD Williams would. Each Catalogue has different requirements.

When you make your Application for a Catalogue with Credit…

Please do not be tempted to use any false information when you make an application for a Catalogue (or any other type of credit for that matter).

We know 99% of our visitors wouldn’t dream of it, but desperate people will try desperate measures in the hope of getting an order accepted. It’s not going to improve your chances of success. In fact, it can make matters a lot worse.

Making an application for any type of credit using a false information such as changing your date of birth or saying that you have lived at an address longer than you have is easy to spot. If the Catalogue company suspect fraud, they will report it to CIFAS. This information will be held on file for up to 6 years. According to Message forums, Some people with CIFAS warnings have found it impossible to open any lines of credit and have suffered with accounts being closed down. Even things like Basic Bank Accounts.

Law Enforcement agencies can access information on the Fraud Databases.

 

Fraud & Other Checks when you make an application for Credit…

When you apply for a Catalogue or any kind of Credit, the company you are applying to may run additional checks. One of those checks it can run is checks with a company called National Hunter.

National Hunter store information you provide in applications.

Example

So if you applied for a Credit Card last week and told them your income was £50,000 but today when you applied for a Catalogue you entered your income to be £20,000, National Hunter could Flag up a discrepancy and your application for a Catalogue will be referred for further checks.

So never lie about Salary, Outstanding Debts, Employment Status, Marital status, Age etc. Just be honest, if you are not accepted for the Catalogue you want, look at ways of improving your Credit Rating or select a Catalogue from our Bad Credit Catalogue section.

 

If you are thinking about applying for a Catalogue with Credit but are not too sure because of previous credit problems, rest assured, Catalogues do approve applicants with less than perfect credit. It’s sometimes common for our visitors to have a better credit file with a certain Credit Reference Agency, if this is the case, we are delighted to provide you details with which Catalogue Search which Credit Reference Agency below.

Catalogue Application Referred

verycatalogueIn most cases, Catalogue companies will give you an instant decision. On some occasions, Catalogue companies cannot give you an instant decision. There are a number of reasons for this. Usually if your application is referred it can delay your decision by a day or two.

Reasons why my Catalogue application has been referred.

 

There are times when an Instant decision cannot be made. If you apply outside working hours for example, this could mean the Catalogue company cannot run a Credit Check until the next day. Other reasons an Instant decision cannot be give include

  • The Credit Reference Agency is Offline or takes too long to respond
  • You have a CIFAS warning on your Credit Report (all applications for credit have to be manually checked) in this case
  • Sometimes customers add a Notice of Correction to their Credit Report, this is also known to restrict Automatic decisions as it requires a member of staff to read the notes
  • Your details couldn’t be found or matched online and further checks are required
  • Your Credit Score is not high enough to pass the initial application, but you have scored more points than a rejection (so you are very much in the middle).

There could be other reasons, but all it really means is the Computer cannot make the decision to open a Catalogue with Credit  for you there and then. It will require a human to take a look further or to put it through the Credit Check in the morning.

You will probably receive a decision about your application for a Catalogue by email within a day or two, if you haven’t heard within a week, you could call them. Sometimes Catalogue companies may send out a letter with their decision.

 

 

Catalogue Application Rejected

32127464_sIf your application for a Pay Monthly Catalogue with Credit has been rejected then it’s most likely because of the information you supplied in your application or the information that the Credit Reference Agency passed to them when you made your application.

The first thing to remember is everyday hundreds if not thousands of applications are rejected, you are not alone. It’s not nice being rejected and remember there are several reasons applications for Catalogues fail. If you haven’t already done so, now is a good time to check your Credit Report to make sure you know what’s showing. You Can check your Credit Report here.

fashion

 

 

You may not be able to rectify credit problems on your Credit Report if you have missed repayments or have been issued Defaults or County Court Judgements.  This information will stay on your credit report for six years. You could still be Successful if you try a Catalogue from our Bad Credit Catalogues section here. 

Make Sure that you are registered on the Electoral Register. If you are not on the Electoral register the chances of being approved for any type of credit is low. You can check this with your Local Council or by obtaining a copy of your Credit File.

Top Tips to help your next Pay Monthly Catalogue Application

  • When you provide your telephone number, try to include at least one landline number (Feel free to add a mobile phone number as well).
  • Make sure all of your information at the Credit Reference Agencies is correct. Even a small mistake can lead to problems. You can view your credit reports free of charge at all of the credit reference agencies here.

declinedYou can also check you are not a victim of fraud by checking your credit reports. If you see something on your Credit Report you are not familiar with, contact the company in question direct and contact the Credit Reference Agency. They will be able to help investigate for you.

Some of the reasons you may fail a Credit Check

  • CCJ’s – These will remain on your credit report for 6 years (even if they are settled) Some Catalogues will accept customers with CCJs. The older the better (so a CCJ issued 5 years ago is a lot better than one issued 5 months ago).
  • DEFAULTS – Again, these will remain on your credit file for 6 years  and Defaults are not good news. The older a default the better. Showing it’s been a few years since your last default will provide you more chance or approval for a Catalogue account.
  • Are you currently in arrears on other Credit Agreements? Have you missed payments in the past 2 years?  It doesn’t matter if it’s a mobile phone, credit card or even your Electricity bill, if repayments are not being made on time, the chances are this is being reported to the Credit Reference agency. The longer time has past since your last missed payment – the better, this will strengthen your chances of acceptance.
  • Previous debts – Have you had previous debts with the Catalogue company you have applied to? Some Catalogue companies will take on customers who had previously had problems with keeping up the repayments. That decision is going to be down to the company and if they are willing to take the risk.
  • CIFAS/FRAUD HISTORY – If there is a CIFA warning registered in your name or at your address, you are unlikely to be given an instant decision and most likely to see your application rejected.
  • NEW TO CREDIT – If you haven’t had credit before, then it can be hard to get accepted. Mainly because there are no credit records to go on. So when you apply, the Credit Reference agency cannot provide any evidence of your payment history. You can appeal the decision if you are rejected, keep reading for more information.

The older any adverse information is, the better. A default or CCJ issued 5 years ago will be looked upon differently than one issued in the past couple of months. All Defaults, County Court Judgements and Missed Payments stay on your credit report for six years.

A Almost guaranteed Catalogue could be the solution..

yescard-2You can try another Catalogue, each catalogue with have different Credit Scoring Requirements. You could wait 6 months and try again or you could try a Catalogue which is almost guaranteed for approval like the Yes Card Catalogue.  They approve more applications than any other Catalogue listed on our website. Mainly because they don’t base their decision purely on your previous credit history. 

Catalogues with credit for people who have been rejected in the past

If you have been rejected for a Buy Now Pay Later Catalogue, take a look below.

These Catalogue companies often approve more applications on Credit4everyone.

If you have a Poor Credit rating this account may be just for you, they approve more applications than any other Catalogue with Credit on Credit4everyone! Rebuild your credit history and get up £2500 credit limit

Poor Credit Catalogue

catalogues for bad credit

This Catalogue will not judge your application on your Poor Credit History. Use this Catalogue with Credit to rebuild your Credit History and enjoy very high approvals.

The Deluxe Catalogue Card is aimed at those with Bad Credit

Bad Credit Catalogue

catalogues for bad credit

The Choice Freedom Catalogue offer Catalogues with £500 Credit limited guaranteed for those accepted. Very High Approvals guaranteed

It’s the next best thing to a No Credit Check Catalogue

£500 Credit Limit Bad Credit Catalogue

catalogues for bad credit

Pay Weekly or Pay Monthly for anything from LCD TV’s to Fridge Freezers and other White goods you need. Rent or Rent to Buy, FREE Repairs

Affordable Repayments

Bad Credit Accepted!

catalogues for bad credit

Catalogue Credit Rejection Can I appeal?

Just like any other form of credit. If a Catalogue company rejects your application for credit, you can make an appeal. Most decisions are made automatically by computers with the Credit Scoring method we mentioned before. When you make an appeal, you are most likely to have a Human look into your appeal. As long as you are aware, an Appeal does not Guarantee approval When you make an appeal, enclose a short but precise letter. Enclose your Name, Address and Date of birth as well as the time/date of your application.

Ask for your Application to be looked at again and if there is a reason to your previous credit problems, such as Health or Redundancy, make sure you explain that. This will help the Catalogue company make a decision.

For example, if you have had previous credit problems caused by Health or Redundancy you could explain this.

You are can also include anything you think will help support your appeal, such as Bank Statements or a Printed copy of your Credit Report, or even a House Hold Budget.The more detail you can provide, the more chance you have in the decision being overturned

There is no Guarantee an appeal will work. For the cost of a Stamp it could be worth it. We have received several emails thanking us for this tip as it has worked for some. 

Accepted for a Catalogue with Credit

argoscatalogueIf 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.

approvedThe 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.

statementYou 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.

Available Limit

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.

Items Ordered

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

Items Returned

Your Statement will also list any items you have returned, these will be credited back to your available spend

Delivery Charges

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.

Discount Codes

If you use a Coupon or Discount Code on your order from your Catalogue, this should show on your Catalogue Statement.

Minimum Payment

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  

  1. Keep up your repayments each and every month
  2. 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.

Rebuilding your Credit Rating with a Home Shopping Catalogue with Credit

catalogueCatalogues can help you rebuild your credit rating. If you keep up with the repayments each month, your Credit Rating will slowly start to improve.

Opt out of Catalogue Credit Limit Increases

You can Opt Out of Credit Limit increases at anytime, you just need to Contact your Catalogue company to do this. Sometimes having a large Credit Limit can help improve your Credit Rating, however, if you are hoping to apply for a Credit Card or Mortgage, you can request your Catalogue credit limit to be reduced to lower the amount of Disposable credit you have available on your credit file.

Showing you can handle an account with a large credit limit works in your favour. It’s also good for ratio of Credit Available if you don’t spend too much.

Credit limits vary from person to person and are dependent on your circumstances, your credit rating and the current financial climate.

Your Minimum repayment

This will depend who you opened a Catalogue with. Most often a Catalogue with Credit will ask you to pay 5% or 10% of the balance owed. You will need to refer to the website or your Credit Agreement for the actual minimum percent rate you are expected to repay. Also, Catalogues can offer different payment terms, such as nothing to pay for six months or no interest options.

Always refer to your Catalogue and Statement for the minimum payments required.

If your Catalogue is going to request 5% of your balance to be paid a month, a television set costing £1000 will cost you £50 per month, plus any interest charged. Full details about the Interest (APR) will be available when you apply and when you purchase an item. Make sure you read this carefully to ensure you can afford the repayments.  Each Catalogue will offer different payment terms JD Williams for example request 10% of your current balance. So it’s always worth being sure before you buy.

USING YOUR CATALOGUE

If you are looking to rebuild your Credit Rating you are going to need to use your Catalogue. Opening a Catalogue with Credit and not using it is not going to help improve your credit rating. Place an order and keep up with the repayments each month.

Can I have more than one Catalogue? 

Sure. You can have as many Catalogue accounts as you want. If you are going to apply for another, we do suggest you wait a couple of months, making too many applications in a short time can damage your credit rating. (spread out applications). Making too many applications can make you look desperate for credit and at worst could look like fraud. So don’t go making too many applications.

Can I have two Catalogues from the same group?

Always check through the terms and conditions, at the present time there is no limit to how many Catalogues you can have within any of the Catalogue groups. Remember, each credit search will be shown on your credit report and for a short time can actually lower your Credit Rating.
25932150_sThe one downside to having more than One Catalogue from the same group may occur if you run into financial problems and have problems making the payments due.

You Orders may be cancelled and your Credit Limits may be withdrawn or reduced.

Just Ensure you can manage the repayments if you do wish to open a second or third catalogue.

Is it easier to open a Catalogue within the Same group ?

If you opened a Catalogue in the JD Williams group, you may find it easier to open another within their group.

 

You may still be credit checked, but once you have a payment history with them, it will help with further applications.

If they do reject your application for another Catalogue, it may be that they simply want  to see how you manage your Current Catalogue Credit Account before extending further credit to you. At this point, we would recommend waiting 3 months before trying again.

Buy Now Pay nothing for … months

Spreading repayments over long terms..

Some Catalogues offer finance terms like, Buy Now, Pay Next Year. These sound wonderful at the time of ordering, but when it comes to the time payments become due, you will be charged interest unless you can pay the balance of in one go.

Also, spreading the cost of items over 100 or 150 weeks may seem a good idea, however, consider will you still be able to afford those payments in three years time.

Work out the interest if you are going to spread the cost over 100 or 150 weeks.

Usually these items look fantastic on paper, just £2 a week etc. That is Until you work out the repayments and the time it will take to clear the debts.

You may be in a position to pay the monthly minimum repayment now, but will you still be able to make those payments in 2 or 3 years time? Interest on such deals is usually very expensive, so before making purchases on these terms, ensure you fully understand the price you will end up paying for the item

Catalogues… FAQ

Although we have listed pretty much as we can think of to do with Catalogues, we still receive emails from customers asking questions. We have listed the most common questions which we hope will help you.

Remember, Catalogues, Home Shopping Accounts or Catalogues with Credit will offer you the chance to rebuild your Credit Rating or Strengthen one that’s a little damaged.

It’s also a great way to Spread the cost over a set period of time. This can have a positive effect on your Credit Rating.

Will a Catalogue help me improve my credit rating?

Catalogues with Credit Facilities can help improve your Credit rating as long as you order, keep up with every repayment and stay within the Credit limit. You must also remember to keep up to date with all of your other Credit Agreements, Missing payments can damage a Credit Rating, so ensure you can afford the repayments before you place an order from your Catalogue.

It’s also a great way to Spread the cost over a set period of time. This can have a positive effect on your Credit Rating as it will show on your credit file as Revolving Credit.

Are Catalogues and Expensive way to buy things?

You will be Surprised how things have changed. Catalogues are more competitive now than ever. We have eve seen items cheaper in Catalogues. That being said, if you do spread the cost over a long period of time, the interest will increase the overall cost of the item. Check the Catalogue’s APR (interest) they will charge you. Spreading the cost can work out expensive, ensure you work out the final price and consider your options wisely. It’s a little like a Credit Card, if you can, try to make more than the minimum repayment each month to pay less interest.

Catalogue Applicaton Requirements

Catalogues with Credit Facilities on our website require you to be aged 18+, a UK resident and lawfully allowed to apply for Credit. IE, you are not Bankrupt. You should think carefully about the repayments a Catalogue will require. A Catalogue is an excellent way to spread the cost of items, especially those you cannot afford outright now, Catalogues will deliver your items to your home or any UK address you select (your first order may only be available to your home address)

Why has my Catalogue's Credit limit been reduced?

Catalogues review all of their customers from time to time, this is done to ensure you are not taking on too much debt and to try and predict serious financial problems. If a Catalogue company notice missed repayments, defaults or a change in your circumstances, they may restrict or cancel future orders you make or they may reduce your credit or available credit limit.

Catalogues will reinstate a Credit Limit or increase it if you are managing your finances well. Thankfully this doesn’t happen too often.

 

Are there any NO Credit Check Catalogues?

Catalogue companies will carry out Credit Checks to confirm your I.D, to ensure you can afford the repayments (Affordability Checks) and to see how you have been managing your finances in the past 6 years. If you bad credit due to a poor credit rating, you will be probably be looking for companies that don’t carry out a credit check.

There are Catalogue companies who will offer Catalogues with Credit to people who have had previous problems, including those customers with CCJ’s, Defaults etc.

Use our Catalogue Directory by clicking here

How do I make payments to my Catalogue company?

If you have been accepted, placed your oder and have now received your first statement you are now going to need to make your first payment.

The most common payment form is using a Debit or Credit Card. If the Debit Card or Credit Card you are going to use to make your Catalogue payment is not in your name or is not registered to your Home Address, you should contact your Catalogue company by telephone.

Paying your Catalogue by Credit or Debit Card

Usually, you can Login and make the payment online. Please ensure you remember the Due date is the date your payment is due by and not the date you should make payment on. Both Debit and Credit Card payments can take a couple of days to clear, so please ensure you pay a few days before the Catalogue Due date. If you cannot login to your Catalogue, make sure you call them. Missing the payment or making the payment late can have an affect on your Credit rating.

Other Methods of Payment

You can pay your Catalogue by Direct Debit, Telephone your Catalogue company and they will explain the process. Usually, this will require you completing a Direct Debit mandate form and returning it to them. Please ensure you continue making the repayments until they can confirm they are taking the payment by Direct Debit.

Giro Payments

Some Catalogues offer the Giro Slip at the bottom of the Statement, this means you can usually make the payment in your bank or at the post office. This payment method can incur a small handling charge, please refer to your statement for full details.

What items can I buy from a Catalogue Company?

Anything you like. Take a look at their website and you will see the items available, along with a description, pricing information etc.  Some Catalogue companies send through promotional items such as Stock Discount items .

Your monthly statements are usually posted to your home address. Even though more and more people use Websites to place orders and make payments, Catalogues rarely offer an Online Only option for statements at this time, but this may change in the future.

What happens if I cannot keep up the repayments with my Catalogue?

If you are having financial problems including not being able to make payments to your Catalogue, please ensure you call them and discuss it with them.

Missing payments on any type of Credit Agreement can have a serious effect on your Credit Rating for up to six years.  Try to come to a solution with your Catalogue company. Explain the situation to them. They have a range of ways they can help you. Jus Be honest and upfront about your Situation

Catalogue companies will usually start to telephone you if your account falls into arrears, coming to a solution with them early will help avoid these calls and letters.  If you cannot make payment your account could be affected and the following can happen

  • Credit Limits can be reduced or removed
  • Orders can be refused until arrears are clear, or cancelled if you do not come to an agreement about the arrears.
  • A full demand of the full balance being made to you (if your account is 2 or more months in arrears) and you have not come to an agreement with your Catalogue company.
  • A Late payment charge being applied to your account, usually around £12
  • A late marker being placed on your Credit files
  • Your Account being passed to Debt Collection and/or Legal action being taken which can include being issued with a Default.

argoscard

WITH SO MANY OPTIONS WHICH CATALOGUE IS THE BEST?

Compare Catalogues Uk 

Choosing your Catalogue depends on what kind of items you are looking to buy. We have Catalogues dedicated to Fashion for example, these will stock the Latest Fashion, Top Designer Brands. There are also Catalogues aimed at Babies and Children, Some Catalogues are aimed at gifts whilst there are Catalogues such as Look Again, Argos etc who offer a little bit of everything.  Think about the kind of thing you want to buy from a Catalogue before applying to ensure it meets your needs.

More and more Catalogues will now allow you to use your account and Credit limit through their range of Catalogues. If you have a JD Williams Catalogue, they will allow you to use your Catalogue and Available Credit Limit to spend at other websites within their brand such as Simply Be, Jacamo, The Brilliant Gift Shop etc.

Look Again allow you to spend your available credit limit on the Bon prix and Swimwear 365 websites.

Most catalogue companies can help you if you fall into problems. This can range from reducing your monthly repayment, they could even help you freeze interest payments, if you have take out insurance make sure you check to see if you are able to claim (such as redundancy or health issues).

arrearsRemember, whilst your account is arrears or a payment arrangement they will probably not release any new orders. You should try and get your account back up to date as soon as you possible can.

Also make sure you try and keep to any agreements you have made with your catalogue, as failing to do so, can result in your account being closed, you being issued with a Default notice and your account being passed to an external Debt Recovery company.

MISSING CATALOGUES PAYMENTS, WHAT AFFECT DOES IT HAVE ON MY CREDIT RATING?

credit scoringMissing payments or even just making your paying late can have a very detrimental effect on your credit rating. This will affect the chances of you getting a credit limit increase and could affect you getting credit in the future. Your Credit Limit could even be reduced if you miss payments. Arrears won’t automatically go away, so make sure you come to an arrangement with your Catalogue company as soon as you miss the payment.

Remember, Late payments can incur charges as outlined in your Catalogue Credit Agreement.

If it’s a first time you have missed the repayment or been late on your Catalogu, the Catalogue company may not charge the late fee and you could even ask them not to report the late/missed payment to the Credit Reference Agency. They don’t have to agree to this, but if it’s a genuine reason, they are more likely to consider it for you.

VERY POOR CREDIT HISTORY CATALOGUES… 

One question we receive a lot, in fact, over and over, is, I have several Defaults, County Court Judgements (or a very poor credit rating in general), I have already tried a mainstream Catalogue and have been declined. Are there any ways to get approved or any other options available to me?

Well the good news is that Credit4everyone can offer an option. We now have 3 new companies who specialise in helping those with poor credit, who have been declined from other companies.

Yes Catalogue

Up to £2500 Credit Limit, not purely based upon your Credit History.

Deluxe Gold Card Catalogue Account

Again, open to those rejected from other Catalogues

Choice Freedom Card (catalogue) account

Up to £500 spending limit, apply here

The above Catalogues will consider those with very poor credit ratings, so if you have tried the mainstream Catalogues you could be accepted with these.

If you have suffered with a bad credit rating, a Catalogue can be a good way to improve things. Your application will only take a few minutes and if you are approved you can place your order right away.

YOUR CREDIT RATING…

It is true, the more time that passes from a Default or CCJ, the better it is. A lot of Prime Credit will only be available to those who don’t have any Defaults or County Court Judgements. Many customers who have suffered from a County Court Judgement or Default in the past three years will struggle to get accepted for any kind of credit.

Defaults and County Court Judgements will stay on your Credit File for 6 years from the date they were issued. After this point they are removed, even if they are not paid.

Responsible lending takes into account all of your circumstances, if you are reporting you earn £40,000 and have a default for let’s say £250, it will go against you, as they will feel you are in a position to pay off this debt, especially if you are asking for further lending.

FINANCIAL PROBLEMS & CATALOGUES

jdwilliamswebsiteCatalogue companies know that customers are human. They also know that occasionally things don’t always go the way we expect them and that there are times when customers cannot make the minimum repayment.

They are also aware that occasionally customers may have more long term financial problems. At these times, it’s very important that you try and come to a solution with your Catalogue company.

Most Catalogues will have a team who are trained to help customers who are in arrears.  They want to keep you as a customer and will try to find a solution that suits you both, but it’s important not to agree to a payment plan which you know you will not be able to afford.

Catalogues may be able to offer help such as freezing interest, lowering monthly repayments, offering a set repayment each month etc. If you feel things are out of control, you can also try free Charities like Step Change, they can help with other debts not just Catalogue debts.

Catalogue companies will report your repayments, credit limit and balance to Credit Reference agencies each month.

If you run your Catalogue Credit account well this could have a positive effect on your Credit Rating. If you miss repayments or exceed the credit limit, this could have a negative effect on your credit rating. Missing repayments can incur fees.

If you are having trouble making payments, make sure you contact the Catalogue company (lender) as soon as you can, most are really helpful, if it’s a genuine case, they will want to help you and will appreciate your honesty.

 If you are struggling with debts, please do not apply for more credit, visit Step Change charity for help and free debt advice.

I followed the instructions very carefully and after 15 months of trying to get accepted to start re-building my credit, I was approved! The information you supplied has really helped me. Now, 18 months on, I have a mobile phone and credit card and finally feel like an adult again.
Thomas Aslantepe – Wiltshire
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