A bad credit catalogue is not bad at all

If you think a bad credit catalogue is only for last resort purchases because you are under the impression that they are very expensive or full of poor quality products.  Nothing could be further from the truth. A bad credit catalogue is exactly the same as an instant credit catalogue, but the credit limit to begin with will possibly be less than those who apply with a good credit score.  If anything, a bad credit catalogue will help you to get back on track with your credit file and with regular repayments and sticking to your credit limits, you will be offered higher spend limits over time. This in turn will show on your credit file and future lenders will look more favourably at you being a responsible lender. If you want to apply for a bad credit catalogue, it is important to remember that a credit check will always be carried out. You will need the following:

  • A UK current bank account
  • Over 18
  • Regular income (benefits are taken into consideration)
  • Stable address history
  • Internet access

Once you have been accepted for a bad credit catalogue you can look forward to a great shopping experience that includes:

  • Next day delivery
  • Late night ordering
  • Easy to use personal account
  • Flexible repayments
  • Regular emails with bonus codes and flash sales
  • Fantastic starting bonuses of up to 30% off first order
  • Top name brands and exclusive online collections
  • On trend designers for both fashion ad home styles
  • No more queues at busy tills
  • No parking or fuel charges

Of course, a bad credit catalogue will have interest rates, but they are no more than the regular instant credit catalogue rates. If you choose to spread payments past the interest free period, then you will pay more for the product than the original price.  This is when the interest rates are applied, but if you pay your account in full then you will never be charged any interest. With this in mind, you can actually end up saving massive amounts against High Street prices especially if you use the bonus discount codes at checkout.

Some of the best known names can be found with a bad credit catalogue such as:

  • Joe Browns
  • Phase 8
  • Fig Leaves
  • Levi’s
  • Samsung
  • Apple
  • Joanna Hope
  • Coast
  • Monsoon

With many of the designer names having exclusive online collections.  With a bad credit catalogue, you will also find a great range of plus size clothes for both men and women, with footwear in wide range fittings. For home and electronics, you could not ask for better ranges of products.  A bad credit catalogue will not only clothe you and furnish your home, it will benefit your credit file and allow you lots of free time that you would have spent otherwise in a busy town centre. Having the cushion of a bad credit catalogue can also be a great help in emergencies and should be considered as an extra back up to family finances.

Bad Credit Catalogue
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