Bad credit catalogues, the hidden benefits
A bad credit catalogue can solve many problems as even the with the best of budgets it is easy to slip off course when an unexpected expense occurs. If you have had credit issues in the past and have been rejected for credit cards or loans, then a bad credit catalogue is definitely worth giving a try. There are a few things you will need when applying for a bad credit catalogue, they are listed below. A credit check is always carried out but with bad credit catalogues you will have an eligibility check to establish your ability to repay the minimal amounts per month.
- Age and Status
- UK bank account
- Regular income, some benefits are accepted
- Stable address history for 5 years
Bad credit catalogues are never advertised very loudly, but they fall under the instant credit catalogue category. Some of the most popular ones such as Very.co.uk, Look Again, Next and Freemans also take bad credit applications. This may be surprising, but catalogue credit is not governed by the same codes of conduct as money lending and therefore they are able to make their own decisions on who they extend credit to. The benefits of a bad credit catalogue are not just the ability to by now and pay later, her are some of the hidden extras you will also be amazed with.
- Quick and easy application process
- Instant spend limit
- Up to four months interest free payments
- Massive joining discounts of up to 30% on your first credit order.
- Free delivery bonus codes
- Yearly delivery plans for less than £10
- Try before you buy
- Flexible payments to suit your budget
- Simple returns procedure
You may think that a bad credit catalogue will only carry non branded and own brand stock, this is very far from the truth. There is nothing that you can buy on the High Street that you cannot purchase from a bad credit catalogue. Some of the very well-known brands also have exclusive catalogue only collections and are not available otherwise. Another old perception was that buying from a bad credit catalogue will be more expensive than paying outright. This is only ever true if you do not pay off your item in the interest free period, as it is after this that you will incur interest charges on the remaining amount outstanding. In fact, when used in conjunction with the regular discount bonus codes that are regularly emailed, you will find that you can beat the High Street prices hands down, and all with the convenience of shopping in your own time.
Some of the best known brands shown here are readily available from a bad credit catalogue, and it is always worth price checking with a bad credit catalogue before committing to spending a lot of money elsewhere.
Brands offered by Bad Credit Catalogues
- Ben Sherman
- Bang & Olufsen
- Joe Brown
We have grouped together some of the best of the bad credit catalogues that will offer the highest joining discounts, some also have free delivery as well.
- Next – £10 off first credit order and free delivery
- Freemans – 25% off first credit order/ free delivery at all times
- Grattan – 25% off first credit order/free delivery at all times
- Look Again – 25% off first credit order
- Bon Prix – 25% first credit order and free delivery
- Fashion World – 30% off first credit order
- Kaleidoscope – 25% off first credit order
It is also well worth considering a bad credit catalogue is you have any credit issues, as keeping a bad credit catalogue account in good order will also start to help a flagging credit score. The more that future lenders can see that you have been responsible in paying on time, the more likely to they are to lend to you in the future. On a credit check, your lenders are looking for steady and responsible payments, regardless of whether it is a catalogue or a car loan.
There are many websites offering bad credit catalogues and no credit check catalogues, but in reality, reputable catalogues will always make their own credit search and third party website asking for an initial set up fee or asking for your debit card details should be avoided at all costs. When following our links to the catalogues on this site, you will be redirected to the actual catalogue and your application will then be between you and the catalogue. A bad credit catalogue is definitely more than just a helping hand when a little cash strapped. It will also be a money saving tool when used well.