User Posts: Credit 4 Everyone
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SPECIALIST BAD CREDIT CAR FINANCE - GET ME CAR FINANCE Specialist car finance company - No Deposit Required, Employed, Self Employed and people on Benefits ...

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Next's annual sales and profits at its High Street stores have continued their fall of recent years, while its online business continues to grow. Sales in ...

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If you have Bad Credit you may believe you can't get accepted for a Mobile Phone on Contract. The Good news is you can.. Bad Credit doesn't mean you can't ...

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A new Cap on the amount Rent to Own products is being introduced from April 2019 the Government has announced. Rent To Own is popular with people on low ...

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Tough Year on the High Street. All through 2018 we have seen Retailers on our High Street suffering. Some blame the rise of the internet, others the cost ...

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January is always a tough month but for the poorest in our Country, this month pushes more into a spiral of debt. For some, it is 5 weeks before payday and ...

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Wonderful pricing, Price Wars and a dedication to customer service have seen Shop Direct the company behind the pay monthly catalogues Very and Littlewoods ...

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Sales remained flat for N Brown the company that offers the JD Williams, Simply Be and Jacamo catalogues. For the 18 weeks to 5 January 2019, the ...

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Car insurance costs are climbing for the first time since 2017, partly because of Brexit uncertainty, according to the AA. Over the last three months, the ...

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As soon as your Pay monthly catalogue is open you will probably want to go ahead and place your first order. You will need to add items to your basket and ...

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Enjoying the benefits of a pay monthly catalogue is easy,  First of all you will need to Apply for a pay monthly catalogue with credit account, Don’t panic ...

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Check  your Application before your Submit Please do not be tempted to use any false information when you make an application for a Catalogue (or any ...

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All About Catalogue Credit Limits Once you Submit your application for a new Catalogue Credit account you will informed if you application is successful or ...

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Despite all of the promises from Governments some people still find it almost impossible to open a bank account. If you are looking for a bank account ...

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£428 Billion, that's the Level of Household debt according to a new report from the TUC. Excluding mortgages, average debt per household rose sharply in ...

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The Online Retailer and Catalogue company have seen a Boost on Christmas sales thanks to late Christmas sales online, however, in store sales have declined. ...

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If you are looking for easy acceptance catalogues then a Guaranteed acceptance no credit check catalogue could be right down your street. The Second chance ...

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Recently we become aware of a Catalogue company writing to customers informing them that due to an increase in risk the customer was going to see their ...

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MoneySavingExpert.com offer everyone their Experian credit report totally free of charge. Updated once a month for free, you can enjoy free tips and advice on ...

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Get Free access to your TransUnion credit report. TransUnion is the new name for Call Credit and is one of the top three Credit reference agencies in the UK! ...

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Credit Wise from Capital One offers you the chance to enjoy totally free access to your Equifax credit report. Updated once a month, You will enjoy Unlimited ...

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If you have missed repayments on credit agreements or suffered with County Court Judgements or Defaults you are likely to be branded as someone with bad ...

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If you are a Very.com catalogue customer and you are looking for the last GUARANTEED Christmas delivery time, you must place your order before 8pm on the 23rd ...

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Each Credit application you make can further damage your Credit rating. Wouldn't it be good to know if you could be accepted for a pay monthly catalogue ...

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Bad Credit Car Finance is just a click away! If you have bad credit and want a new or used car but are worried about being declined look no further. Our ...

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Christmas shopping is now under way and for some families they simply don't have available funds to buy presents. These families may be tempted to borrow ...

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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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User Articles: Credit 4 Everyone
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When you want to buy items from a Catalogue company you can do so in two ways. You can choose to Pay for the order in full with any Debit or Credit Card or ...

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If you are considering opening a home shopping pay monthly catalogue account you will need to think carefully about what type of catalogue you want to open. ...

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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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