Bad credit catalogues competing with the High Street

A bad credit catalogue is often thought of as being an expensive way to purchase items on credit.  This is not true, and in many instances you can find that bad credit catalogue prices can often beat the High Street.  When you think about the time spent searching for the perfect dress, shoes and accessories for a special occasion or heavens above, shopping for Christmas, a bad credit catalogue may just be the answer to solve both time and budget issues.  Here are just a few bad credit catalogues that are major players in the online shopping world:

Meet the Bad Credit Catalogues

  • Fashion World 70%APR
  • Marisota 70%APR
  • Premier Man 70%APR
  • JD Williams 90%APR
  • Curvissa 40%APR
  • Freemans 90%APR
  • Grattan 90%APR
  • Kaleidoscope 90%APR
  • Look Again 90%APR
  • Bon Prix 90%APR
  • Swimwear365 90%APR
  • Next 90%APR

If your credit file is not great, you can bad credit catalogues that offer instant credit and accept bad credit applicants.  The phrase bad credit is a blanket term that covers everyone from time to time, even those with no credit history are considered a bad credit risk.  The online retailers have acknowledged this and along with a credit check, they will also check your eligibility to repay.   You will find it difficult to walk into a High Street retail store such as Dorothy Perkins or Top Shop and be offered a store card, with instant credit if you have recently suffered a downturn in your finances. With an online bad credit catalogue such as Grattan or Look Again you would instantly know if you have been accepted and will be given a spend limit of up to £200.  Along with easy delivery, sometimes free, and the same, if not better, clothing and home choices, it is no wonder why the Bad credit catalogues are becoming a big part of the family finances.  If you can provide the following, then a bad credit catalogue is well within your reach.

  • 18 and over
  • Address history for 5 years
  • Have a regular income, including benefits
  • UK bank account

Some of the extra benefits of shopping with a bad credit catalogues are not noticed straight away, bit over a period of time the convenience of home shopping becomes more apparent.  For instance, every few weeks you will be given bonus discount codes of up to 40%, there are regular flash sales also.  This is where the savings can be made against the High Street.  Shown below are things to consider when applying for a bad credit catalogue.

  • Great discount codes throughout the year
  • Late night ordering for next day delivery
  • Instant spend limit
  • Try before you buy
  • No queues at busy tills
  • Well-known brand names
  • No parking or fuel costs
  • Easy returns from your home or local Click and Collect store
  • Flexible payments

It is important to know that if you choose to spread payments past the free interest period you will be charged interest on the outstanding amount on your monthly statements.  You are able to pay in full at any time to avoid interest charges.

Bad Credit Catalogue
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