There are a number of catalogues for bad credit. For people with this kind of finance history, shopping for clothes or home items can be unpleasant. Often you can’t afford them or you don’t qualify for a credit plan. However, poor credit doesn’t have to stop you from purchasing the things you want; there are plenty of catalogues out there that cater to people with poor credit ratings.
Your credit score is determined by a number of things, including your loan payment history, the kinds of debts you have acquired, and how often you are forced to borrow money. From these things banks derive a credit score; this is a number between 300 and 850 that essentially tells lenders how dependable you are as a borrower. A score of less than 675 is regarded as bad and can affect your ability to get a loan, buy a car or a house, or go to school. It can also prevent you from buying things you may need for your home or family.
In most cases, buy now pay later catalogs allow you to establish a monthly—or even weekly—payment plan. Usually, you will establish an account through the catalogue website and then begin receiving regular account statements. These will include your outstanding balance, the amount you’ve paid so far, your purchases, the payment due date, and the minimum amount due, which is often determined by your credit rating. Interest can be considerable, but you can keep this down by making regular and timely payments. You do need a bank account in most cases, but payments can be spread out over 12, 18, and even 24-month terms. Shipping and returns are usually flexible and affordable, though there may be exceptions for larger items.
Best of all, most buy now pay later catalogues offer regular discounts and deals since their inventory is in constant flux. Consider Premier Man, which gives you 20 percent off your first order and next-day delivery on select items. Some other popular buy now pay later catalogues include:
- Fashion World
- Simply Be
- The Brilliant Gift Shop
- JD Williams
- Ambrose Wilson
- Premier Man
- House of Bath
These are some of the more popular credit catalogues; there are plenty of others that specialize in fashion, home décor, toys, electronics, garden wares, and much more. Most of them are designed so that people with bad credit can have access to the same things as everyone else. Shopping with them is easy; all you need is a bank account, be over 18 years of age and have lived in the UK for more than 3 years. Take a look at some of these today, and see if they don’t have what you are looking for. Setting up an account doesn’t cost anything, and it’s quick and easy. Don’t let your credit keep you from buying the things you want—shop through bad credit catalogues.