What would you say if I told you there was an easy, straightforward way to shop without moving from comfort of your own home, as well as not worrying about whether you can afford it at that very moment? When it comes to online shopping, it can be difficult to persuade ourselves to buy the much-desired item. Now, it’s never been easier!
With the economic struggles that come with living in today’s day and age, we often find ourselves struggling with money however now there is a system that allows you to buy now and pay later. This unbelievably effortless system is called credit catalogues. Credit catalogues allow you to purchase the items you have been desirous over, while paying back in weekly or even monthly repayments. Some catalogues even offer catalogue credit with no interest meaning that as long as you repay the original amount you spent within the time frame given you do not have to pay the company anymore; this time frame is often a year. Be warned that if you do not repay the amount in time the company could charge you more than what you originally had in mind so be sure to read the terms and conditions carefully.
Many retailers, ranging amongst several different fields, supply the service of catalogue credit. The large range of products available to buy using your credit is becoming increasingly popular with shoppers. To set up catalogue credit you just create a personal account and buy things using your credit. Although your account credit is limited at first, it gradually increases as long as you keep up to date with your payments. The longer you do this, the more spending power you will have and the higher credit rating you will obtain.
Thanks to the availability of instant credit, the population of catalogue credit users has increased drastically in recent years. Instant credit allows you to buy anything your heart may desire, whenever you want! Not only this, it also means that you have longer to pay the money back. Some of the more well-known catalogue companies you may have heard of, also use catalogue credit such as Next, Simply Be, Littlewoods, Studio and Very. Online catalogues such as these ones allow you to compare the price of items with other websites top find the most cost-effective place for you to shop.
Is Catalogue Credit for you?
Well, whether you want a more affordable way of buying necessary items or buying the one-off luxury fashion pieces, catalogue credit is perfect because it reduces the stress of worrying if you can afford it. Contrasting this, if you do not keep on top of your repayments, you could end up spending more than the product was originally worth; and if you miss a payment because of this, it could affect your credit rating. Additionally, you must be careful not to buy excess items at once that you cannot afford to pay back on time as this would land you in a pile of dept. If this occurs regularly, it could affect your credit rating and prevent future lenders from supplying you with the money. Although some catalogues might inform you that it is best to buy credit insurance, this varies on the person so think carefully about what is best for you before spending extra money that may be unnecessary.