If you are still worrying about how Christmas can be sorted out this year then apply for a bad credit catalogue and you can relax knowing that you can spread your payments until the New Year, you can have all your gifts delivered to your door and you may even be amazed at how much money you could save against local High Street prices.
Bad credit catalogues rule
If you have had credit issues in the past a bad credit catalogue is often the best way to start rebuilding your poor credit file. A bad credit catalogue will take into account your ability to repay as well as a credit check. The label of bad credit is not a great term of phrase as it will include those who have never had any form of credit , as well as those who have had credit issues in the past. As instant and bad credit catalogues governed by other authorities than money lenders or banks, they are able to make applications decisions independently. The best bad credit catalogues are shown below with their interest rates.
- Freemans 34.90%APR
- Look Again 34.90%APR
- JD Williams 39.90%APR
- Fashion World 58.70%APR
- Kaleidoscope 34.90%APR
- Marisota 58.70%APR
- Grattan 34.90%APR
The interest rates for a bad credit catalogue are important to understand as this will apply to any outstanding amount owed after the initial free interest terms have ceased. If you pay your account with this time, often 4 months, you will not have to worry about interest charges. It is important to be aware of the fact that if you do choose to spread payments the original price for the product will be exceeded. If you wish to spread payments, a £200 credit limit will be approximately £5 per month to repay over time. To apply for bad credit catalogue, you will need to:
- Be over 18
- Have a regular income, benefits accepted
- Have a stable address history
- Use a current UK bank account
Once you findthe best bad credit catalogue for your needs, fashion, home wares or both, it will only take minutes to apply online day or night. You will be given a quick decision with an instant credit limit to be used in the catalogue or affiliate catalogues if they are in a retail group, such as Look Again, or JD Williams. As well as popular brand names and exclusive online designer collections, you will also find that the prices are more than comparable with the shops on your local high street. You can often save over 15% against High Street prices, along with great delivery options, if you take into account the many email discount bonuses you are sent throughout the year
Give yourself the best Christmas present you can by starting to rebuild your damaged credit file, once you show your payments are regular, your spend limit will increase and this will reflect on your credit file very quickly. You may also find that your future credit applications are looked at more favourably.