User Posts: Credit 4 Everyone
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Christmas Catalogues Are you looking to open a new catalogue for Christmas? We offer a range of pay monthly catalogues offering a wide range of Christmas ...

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Are you in love with the new Apple iPhone XS or iPhone XS Max and want to get one but are worried you won't pass the credit check? How you can get the brand ...

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Every year it's the same thing, the Kids want a toy that's basically sold out everywhere. According to a number of websites, the top ten toys this are shown ...

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Christmas is approaching and with personal finances still being stretched, Some people maybe planning to spread the cost of Christmas with a Catalogue ...

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The Retailer and online Mail order firm Next have seen sales boosted by our Hot Summer. As a result, Next said it was raising its profit forecast for the ...

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Next time your at the checkout, Think carefully before you choose BUY NOW PAY LATER It's easy, you place an order and think nothing more of selecting the ...

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Pay Day Loan Lenders complaints When it comes to Pay Day Loans it's supposed to be Hassle free, quick cash when you need it. However, Pay loan ...

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Wonga the Pay Day Loan lender has stopped lending out money as it's on the brink of Collapse. The Lender who was in the news for the wrong reasons has simply ...

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When you place an order with your Pay monthly catalogue you are now able to choose which day it will arrive. 9 times out of 10 your order will arrive on the ...

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The Crackdown on Pay Day Loans by the FCA has seen Catalogue debts soar. The FCA are now looking into Catalogues and Rent-to-Own companies as debts more ...

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Credit Reference Agency Callcredit is now TransUnion. TransUnion, a leading global risk and information solutions provider, agreed to acquire Callcredit back ...

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If you need money in a hurry you may be tempted with some lenders who spring up on Google when searching for Personal Loans or Quick loans etc. Our list of ...

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Are you looking for a Catalogue with Instant credit? Great then let's begin to explore your options. Catalogs offering instant credit have been around for ...

Bad Credit
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 Apply for your Dial a TV account Spread the cost by paying weekly or monthly with Dial a TV. Bad Credit welcome, easy acceptance offering rent or rent to ...

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Pay Monthly Catalogue Guide - How to choose the right catalogue for you home shopping catalogue with credit How do you choose the right pay monthly ...

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Next the Online retailer and mail order catalogue company have seen sales grow faster than expected. However, despite the increase which has been put down ...

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The Freemans Pay monthly catalogue are celebrating the launch of their new Autumn Winter collection. If you apply and open a Personal account with them ...

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V by Pay monthly catalogue Very is a brand new designer brand launched by the Catalogue. We decided to put it to the test with our very own Tom Boy Girl. ...

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Do Pay monthly catalogues affect your credit rating? A pay monthly credit catalogue offers you the chance to buy items and repay them back each month. ...

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Buying with Buy Now Pay Later? It seems like it's everywhere right now, the right to buy items and pay for them later. You can sign up for Buy now pay ...

Bad Credit
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 Apply for your Step Card Catalogue Guaranteed approval, no credit check catalogue offering you the chance to spread the cost with Pay monthly credit. Apply ...

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A frequent email we receive from frantic customers is "I've missed my Catalogue repayment" Will it be marked on my Credit Report? Most Catalogue companies ...

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What are the best mail order Home Shopping Catalogues? Ever considered opening and running a mail order catalogue? Catalogues with Credit are great for ...

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Save money on your Catalogue Orders with Interest Saver Ace and Studio pay monthly catalogues have launched a brand new credit product called Interest Saver. ...

Pay Later
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Ace and Studio catalogues launch buy now pay later options If you want to spread the cost without upfront or monthly repayments then the new Buy Now Pay Later ...

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Shop Direct New Warehouse Shop Direct owner of the Catalogue brands Very and Littlewoods are closing three Warehouses in Greater Manchester at the cost of ...

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It's probably something you have never considered but according to the Sun newspaper it's something that's happening. Why are women paying more than men? The ...

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It wasn't long ago that N Brown opened new Flagship stores for it's Catalogue brands Simply BE and Jacamo. However, N Brown is now mulling closing the ...

Bad Credit
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GUARANTEED Mobile phone Contracts If you are looking for a new mobile phone the chances are you are going to either choose a Pay As You go mobile or a Pay ...

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You know what it's like, you order something and then realise once it's in your hands it's not quiet to your liking. The advantages of home shopping through a ...

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The FCA have today announced changes it intends to make for the Rent-To-Own and Catalogue sector, similar to those made by it against the Pay day loan ...

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When you have entered all the information asked, the Catalogue company will perform a Credit Check. Usually the Credit check will only take about 30 seconds to ...

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When you are making your application for a Catalogue please ensure you are not tempted to lie about anything. Even if you have had previous credit issues ...

Browsing All Comments By: Credit 4 Everyone
  1. Sounds Awful Karyn, I hope you get it sorted, if you didn’t apply for the Credit Card then it’s fraud, ensure you inform the Police or Action Fraud to get a Crime reference number, this will help you with the Credit Card company and they will have to resolve the matter including removing any said bad credit information that’s on your Credit report.

    You can also add a note to the Credit reference agencies, tell them you are in dispute of this credit account and they will highlight this on your Credit report, this could help you obtain credit elsewhere.

    It can take a while, but don’t give up, Identity fraud in the UK is a grave concern for a lot of people, it can be sorted but as you have found out can take a while, drop me an email if you need any help, we may be able to give you some pointers to help the process along for you.

  2. Hi Sharon, Buy now pay later offers 0% interest as long as you repay the entire balance before the buy now pay later period ends. Some catalogue companies may offer Interest free periods (check out Studio) for Interest Saver, or Very who also offer Take 3 (which offers you the chance to pay your balance interest free over 3 months)

  3. It’s a glass shield they hide behind, they don’t want to lend you money so make out they can’t tell you why. Why approve in the first place ? Not all lenders are the same Michael

  4. Give them a call James or Submit an application, I am sure it will depend on your personal circumstances

  5. Not Strictly true Ashley, but thanks for your suggestion

  6. Next do review Credit Limits every 3 months or so. It happened to us twice. Usually if you take out new Credit or make applications for credit they will Suspend your credit limit.

    It doesn’t mean they don’t want you as a customer and they do remove the suspension if they are happy with things.

    Next receive a feed from the Credit reference agencies and will adjust credit limits accordingly, it’s responsible lending and is not actually a bad thing, the last thing Next or you really want is to be in a position that you can’t afford the repayments.

  7. In our own experience Terry, the Brilliant Gift Shop account got closed once the balance was paid. However, that being said, you should be able to use the same login for this account on the main Jd Williams website. That’s what the Email told us. Let us know how you got on

  8. Sorry to hear that Laura. Have you managed to repay any of them ? The chances are if you are unable to keep up with the repayments, it may be that it’s best you don’t apply for another. There are many agencies who can help you if you are struggling with debts.

  9. Hi Essex,
    I would expect that as you had a card you may already appear on the System. I have read before that people who previously defaulted with certain cards like American Express may never be giving another card, however, with Vanquis, I have read that you can be lucky and get another card, but I believe it depends on the situation and your circumstances and therefore I wouldn’t be able to offer any help, you should probably contact Vanquis direct to see what’s happening.

    Sorry I can’t offer any further assistance

  10. JD Williams is a Catalogue not a Credit Card. To apply, select a product from their website, then go to the basket. At this point you will be offered two options, pay by Credit Card or Apply for a Credit Account.

    Select the Apply for a Credit Account, complete the short application and in most cases you will be given an Instant decision with a Credit limit. I hope this helps you. Good luck

  11. Sacha, This usually means your application has been referred to the Underwriters and if they do require any further info they will call. I would wait a few days, those who have been successful have reported getting the call 1-3 days from application

  12. Radu, At the moment I am not aware of the NEO or any other Vanquis Credit Card offering a quick/silent eligibility checker. Sorry 🙁

  13. Usually within 2-3 days Emma, but if they are busy it can take slightly longer.

  14. Good Afternoon Mark,
    This card is good for someone rebuilding their credit, You could be approved for this credit card with Defaults and CCJ’s although, if you have suffered a CCJ or Default in the last 12 months I would suggest you wait.

    Depending on a number of factors, usually the best chances are to those with less than a couple of Credit Searches in the last 6 months, those showing repayments on their credit agreements (without missing more than one payment in the past 12 months) and those with a low Debt ratio. I have had emails of two customers who received the card, one telling me her Experian credit score was 666 and she was surprised.

    Every application is looked upon on it’s own merit and it’s impossible to tell you what your chances are, however, you can sign up for a free trial with Credit Expert here and then use their service to find out your Eligibility for this credit card. Sorry I cannot be more useful but every application is considered.

  15. Congratulations Samantha 🙂

    Usually within 3-4 days, so fingers crossed Saturday.
    As for your Credit Limit, you will find that on the letter that your card is attached to.

  16. I think you automatically get a copt of the terms and conditions in your email when you apply, it’s not really an indication of being accepted I regret. You should hear from them within a few days if your application has been approved.

  17. Hi Kirsty, Usually you will hear within 14 days via the post if you have been accepted, you could always call them 0330 099 3000 🙂

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