Do you dread shopping due to your bad credit history? Do you struggle to find catalogues to shop through because you had an unfortunate experience with credit in the past? Shopping can be stressful for those who have credit that is less than perfect. But the good news is that you have the option to shop using a catalogue for bad credit!
Bad Credit Catalogues
Bad credit catalogues are, while accommodating, naturally going to be different than other types of catalogues that you may have used in the past. They are more likely to impose a higher percentage interest rate, because many customers are still likely to make their payments late. But unless you have gone completely bankrupt, however, you will almost definitely be approved for a bad credit catalogue. So as long as you are working and you have a consistent, reliable source of income, you will most likely have the opportunity to shop using a catalogue for bad credit.
If approved, you will be given a certain amount of money in your credit account to shop with, or you will have the option to buy now and pay later. And, as you shop and gradually make your payments in small increments, you will be building a better credit for yourself, which will prove that you are able to make payments on time, making it easier to apply for credit in the future. Most of the time, the credit facility that the catalogues effort is unsecured, so you are not likely to be asked to risk your home or any of your other possessions.
Applying for Credit
When you apply to an online bad credit catalogue, you will receive an instant decision by email, so you do not have to wait and anticipate their answer. If you are approved, they will immediately send you your credit limit, so you can begin to manage your money and start the process of building better credit.
The UK offers a wide variety of catalogues for shoppers with bad credit. You can shop for any type of clothing, including active wear, lingerie, even tailored suits! You will also have electrical, shoes, home decorations and other types of gifts all at your fingertips if you shop with a bad credit catalogue. These online (and sent home) catalogues include JD Williams, K & Co, Jacamo, Simply Be, Marisota, Very, isme, and more!
With these catalogues, you will have the opportunity to shop online, from home, for anything that you may need or want, while beginning to improve your credit rating.
Hugh White hasn’t let bad credit stop him from shopping! He’s brought these tips and tricks to the web in hopes of helping others like him with bad credit.