Catalogues with Credit
You don’t need to be sad or worried anymore if you don’t have the money to buy some trendy clothes, replace your worn-out furniture, or buy the latest home electronics because now it is possible by applying to catalogue credit.
If you are one of those people who prefer spreading payments in installments rather than paying upfront, the right choice for you is to apply for a catalogue with credit. This is usually referred as “personal account”, “shopping account” or “flexible payment account”.
Buy now pay later
The catalogue offers you spreading the cost in the way you want, but you should know that this is not so different than other types of credit. You should set a clear budget and be very careful in planning your purchases. Using the credit catalogue is the best way to get all the items you want, because everything becomes affordable.
How to apply for Catalogue Credit?
You can apply for a catalogue with credit as soon as you ready to check out. The credit is usually approved within a few hours. The only requirements are to be at least 18 years old and be a resident of the UK. After you make the application, the catalogue company will ask you some questions regarding your suitability. It’s required because they need to know that you’ll be able to make repayments. Applying for this catalogue credit is possible 24/7.
What credit limit you can get?
The amount of the credit available may vary from person to person. It all depends on your abilities and credit rating and also on retailer themselves, so it’s not possible to know exactly what your credit will be. In general, if your credit rating is high, you limit will be higher. But before you even think about it, always make sure that you are ready to meet the required repayments.
You can apply even your credit rating is bad!
If you have a bad credit rating, you are still able to open an account and use catalogues. You should not be worried about your bad credit rating as it’ll not be the cause for denial. But, you should also know that It all depends on the individual retailer.
One great advantage of these catalogues is that they can help you to build or rebuild your credit rating. When you make your repayments on time and don’t exceed your credit limit, you can improve your credit rating.