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Is it a Catalogue or is it a subscription?

When's a pay monthly catalogue not a catalogue?

Confused?, So was we! Lately there has been a sudden surge of new websites appearing to look like Catalogues. However not all is as it seems…

Look a little further and you are asked to Sign up to a Credit Line (these credit lines are not all they appear to be).

A credit line or a catalogue?

One of these such websites is a Website called StepCard. To some, this appears to be a simple application to apply for a Credit line to use towards products, but what actually happens is they set up a direct debit, nothing is very clear and it does appear that these kind of websites are now growing.

Another discovered today by us was a website called  HomeGoody, this again on the face of it looks like a traditional pay monthly catalogue, dig a little deeper and this again looks a little strange.

Bad Credit Catalogues for people with a bad credit rating

Be aware of a direct debit being set up

When you go to apply for a Catalogue, you are informed  that you will need to apply for a credit account with a totally different website called My Credit line.

So we pop off to look at My Credit Line and this is what we found.

A pay monthly catalogue that appears to have some sort of monthly fee.

This website offering 3 different credit amounts, pretty much like the Step Card offering, you choose how much finance you would like and they will ask you for your bank details, without it being clear, a secret direct debit is set up for what appears is a monthly subscription.

Personal I'd recommend you stay away from these sorts of offers, a pay monthly catalogue has no requirement to charge anything upfront, there is no need to pay a subscription and there certainly no hidden clauses in a real pay monthly catalogue.

Step Card went ahead three months after we applied and set up a direct debit, We received no Emails or Letters from them and they are based outside of the UK.

These Catalogue clone looking websites are probably designed and aimed at people who can't get accepted for a mainstream catalogue, but whatever the intentions are  it's not clear and it's certainly not printed anywhere about monthly direct debits.

If you want to take a look at traditional pay monthly catalogues offering credit, please click here



Dad of 7, including Autistic Twins, first hand experience in Credit problems following the challenges faced with having Autistic children. (Unable to work due to supporting their needs, My credit rating became what can only be described as wrecked) Using my own experience, Credit 4 Everyone was born. A website dedicated to the rebuilding of a UK credit rating. The site was born providing the struggles in getting accepted and as things improved, the challenges one faces in maintaining a good credit rating. On this website you will find information regarding Pay monthly Credit catalogues, buy now pay later, mobile phone contracts for bad credit, current account options when your credit rating stops you getting even the most basic of services and personal loans/car finance. I will share my own experience which shows you how I built a credit rating with an Experian credit score of 120 and Equifax of 90 to a Credit rating both rated as Good in 2 years. How you can rebuild your credit rating, the companies that will help you on the journey and how things can improve. About the website Pay Monthly Catalogues with Credit, Buy it now pay later, Guaranteed Mobile phone contracts and Guaranteed no credit check bank accounts. Credit 4 Everyone specialise in helping people with bad credit get the credit they need. We offer Financial products and services for everyone and work hard to review products, our aim is in Helping you get accepted with our helpful hints and tips.

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