Instant credit catalogues are one of the easiest ways to enter into the fabulous world of home shopping. Not only are you able to have a flexible repayments and quick delivery options there are many more extras that are not available on the High Street. The well-known instant credit catalogues are advertised all over the internet and TV and have very tempting joining offers with huge discounts and free delivery on your first credit order.
- Fashion World – 30% off first credit order
- Freemans – 25% off first credit order/ free delivery at all times
- Grattan – 25% off first credit order/free delivery at all times
- Kaleidoscope – 25% off first credit order
- Look Again – 25% off first credit order
- Bon Prix – 25% first credit order and free delivery
- Next – £10 off first credit order
Instant Credit Catalogue Delivery Options
With instant credit catalogues there is always an option for your deliveries or any returns you may have. You are able to choose from standard, next day or started day delivery. The standard cost of delivery is usually £3.99 per order, with next and stated day deliveries at £5.99 per order. It is wise to calculate the postage costs and not to make too many smaller orders for separate delivery unless you choose to purchase a yearly delivery plan that gives unlimited next day delivery from the instant catalogues below:
- £9.95 per year – Jacamo, JD Williams, Fashion World, Simply Be
- £20.00 per year – Next
The French popular instant credit catalogue La Redoute only have a standard 5 day delivery as their goods are sent from France. La Redoute does use the Hermes Click and Collect system, which is a very popular option for the majority of instant credit catalogues. With Hermes Click and Collect, you can have your parcel delivered you your nearest convenience store. The local convenience stores that offer Hermes Click and Collect are usually open until late in the evening which makes life easier to collect your parcel after work, or at a time best suited you. You are also able to drop of your parcels for quick and easy returns to have your account credited within a week.
You will be very surprised with the huge array of brand names and designer labels to be found in an instant credit catalogue, there are also some very exclusive collections that can only be found such as:
- Williams Brown London
- Joe Brown
- Phase 8
- French Collection
- V by Very
- Michelle Keegan
- Ted Baker
For home and electrical goods, you will also find many popular names, and if used with a discount bonus code, you are able to make fantastic savings against the High Street prices. You will almost always find the same product in an instant credit catalogue. Before you think about spending your money on an expensive item, it is very worth checking the instant catalogue prices and if you include any joining discounts you will be saving money as well as having the freedom of paying in full or monthly to suit your budget. The wide ranges include both kitchen appliances as well as the latest in mobile phone and computer technology.
- Kenwood – Kitchen appliances – audio
- Sony – Mobile phones, Audio, TV
- Apple – Computers, Mobile Phones
- Samsung – Smart TV, Mobile Phones
- Hotpoint -Kitchen appliances
- Zanussi – Kitchen appliances
- Panasonic – Smart TV, Audio
- LG – Smart TV, Audio
Instant credit catalogues can be the ideal way to furnish your home or update a holiday wardrobe without breaking the bank. For a £200 credit limit your monthly payments will be in the region of £5.00 a month on minimum repayment. The beauty of an instant credit personal account is that you can pay off your statements at any time of the day or night with internet access, you can also pay as much as you can afford, or as little. If you keep on top of your payments and pay off your products in the interest free period you will be given, you will find that you will incur no interest charges and your spend limit will increase very quickly.
Everything needed to open an instant credit catalogue is listed below, if you have less than perfect credit than an instant credit catalogue will also be more likely to accept a credit application than a main stream back or credit card.
- Permanent address records over 5 years
- UK bank account
- Income from employment or otherwise
- Over 18 to apply
Your spend or credit limit with an instant credit catalogue is not only based on your credit score, but also on your ability to repay the minimal payments a month. As with any credit agreement, you will be responsible to keep your payments in good order, as this can result in negative marks left on your credit score for future lenders to see. If you ever feel that you would be in danger of missing a payment or falling into debt, it is crucial that you contact your customer service team as they will be able to help adjust your payments or help set up a repayment scheme.