Festive guide to bad credit catalogues

Guide to bad credit catalogues

A bad credit catalogue can be your best bet for a stress free Christmas.  We know that Christmas is still a dirty word in some households until December the 1st, but in reality most organised families will have their Christmas presents wrapped up long before then.  The bad credit catalogues are fully behind the family budget restraints and help to make Christmas an easy,  rather than stressful period to enjoy with the family.  With some fantastic offers such as 3 for 2 or multi packs, the bad credit catalogue can not only match the High Street for bargains but can offer you a fabulous selection of unusual and thoughtful gifts, often with personalisation at no extra cost.

Enjoy Bad Credit Catalogue shopping at Christmas!

Having a bad credit catalogue in time for the Christmas season can not only give you the assurance that you can have up to 4 months to pay without any interest charges being added and here are a lot of other bonuses you may not have considered:

  • Instant decisions on applications, bad credit applications welcome
  • Immediate spend limit to use in all of the affiliate catalogues within your catalogue group
  • Flexible payments
  • Try before you buy
  • Simple delivery and returns
  • Personal credit online account to track all your orders and payments 24 hours a day
  • Well known brands and designers, some with exclusive online collections

When it comes to a bad credit catalogue, as well as helping you to organise and pay for Christmas, when you keep a good account and make sure all your payments are made in good time, you will also find that your personal account will help you to rebuild your damaged credit file.  A bad credit catalogue account will show on your credit file, and it will also show the trust built up and your credit limit increasing.  It is well known that once you have kept a bad credit catalogue in order after a few months your spend limit within the catalogue and its affiliates in the group, will rise very quickly.  From an initial credit limit of only £200, you an easily raise this to £1800 within a year of good conduct.

Here are some of the best bad credit catalogues to consider when looking to make this Christmas to be enjoyable rather than stressful:

  • JD Williams 90%APR
  • Fashion World 70%APR
  • Simply Be 90%APR
  • Jacamo 40%APR
  • Gifts365 90%APR
  • Look Again 90%APR
  • Freemans 90%APR
  • Grattan 90%APR

As long as you are over 18 years old, have a regular income, even those on benefits can apply, and a steady address history fir the past few years, you can apply for any one of the bad credit catalogues.  Your first payment will be around 4 weeks from delivery and it is your choice to pay in full or spread your payments.  It is important to understand that if you extend your payments past the interest free period, you will pay more for your items than the initial purchase price when interest is charged for the outstanding balance.

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