User Posts: Credit 4 Everyone
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Drive a New Car even with Bad Credit
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Having Poor Credit doesn't mean you can't enjoy a Car on Finance Even better, You could be driving away a Brand New Car on Finance. Our new Car finance ...

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Can I get a Catalogue with Bad Credit?
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Bad Credit Can affect anyone. Too many applications for credit or missing repayments could cause you to become a Credit risk. Bad credit can cause ...

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Jacamo Rate jacking
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Catalogue company are hiking interest charged to customers. Letters being sent to customers inform them that it's due to changes in personal circumstances ...

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Next Wins Ted Baker Children’s Range
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Debenhams Store have lost Ted Baker for it's Children's range. Next have signed a 5 year deal with Ted Baker. Next will "create and sell" Ted ...

Pay Later
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Next Pay Catalogue
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Open a Next Pay Account Spread the cost with a Next Pay catalogue account. Apply online for an Instant Decision, if successful you can spend online ...

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No Credit Checks for those who are refused credit
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Bad Credit, Once you have it, it can take several years of hard work to repair it. It's annoying, but the only way to repair Bad credit is to show you can ...

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Plusnet Mobile
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Plus Net mobile - NEW mobile phone network using the powerful 4G EE network. Currently, Sim only plans available, 30 day pay monthly sim contract.

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BT Mobile
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BT Mobile also offer the latest handsets such as Apple iPhone and the latest Samsung mobiles. If you have poor credit, start with a Sim only deal for the ...

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Three
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Three are one of the easiest mobile networks to be accepted for, Try a sim only contract (30 day sim) and then apply to upgrade after 3-6 months for a higher ...

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Virgin Mobile
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Whether you’re looking for the latest and best mobile, a tariff without limits on calls and texts, loads of awesome extras or the great customer service you’d ...

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O2
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O2

All mobile phone networks are different and O2 can Surprise at times by accepting customers who have had previous credit problems. We know this from first hand ...

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Vodafone
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Vodafone Pay Monthly and Sim only deals. If you have bad credit try a Sim Only or Low end handset for the better chances of acceptance. Once you have paid your ...

Poor Credit
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Savvy Benefit
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Savvy Benefits Club offers all customers a NO Credit Check mobile phone contract, enjoy a range of offers all with Guaranteed acceptance. No Credit Checks to ...

Poor Credit
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Sunshine Mobile
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No Credit Check Mobile Phone Contracts One thing's for sure, if you want a new mobile handset without paying up front, you will need to pass a credit check. ...

Poor Credit
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Accepted Mobile
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Bad Credit? You can still enjoy the latest mobile phone on Contract - NO Credit Checks Introducing Accepted Mobile, Uk Mobile phone contracts for people with ...

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Get Me Car Finance
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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 Annual Sales and Profits Fall Again!
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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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bad credit mobile phones
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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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Rent to Own Cap to be introduced April 1st 2019
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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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Mixed Christmas for Home Shopping Catalogue Retailers
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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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Debts rising amongst the poorest
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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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Shop Direct (Very.com) record Christmas performance
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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 FLAT for Catalogue Company JD Williams
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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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Brexit to blame for Car Insurance Increase
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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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Placing your first order
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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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Applying for a pay monthly catalogue – The Application
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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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Before Applying for a Catalogue Account
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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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How do Catalogue Credit Limits work
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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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The Guaranteed Current Account
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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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Household Debt hits new Peak
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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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Next See Christmas Sales Boost
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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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Guaranteed Acceptance Catalogues
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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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Catalogue companies hiking interest
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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 ...

User Articles: Credit 4 Everyone
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How to apply for a Credit Account with a Catalogue company
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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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How to choose the perfect home shopping catalogue
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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. ...

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. 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

  7. 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.

  8. 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

  9. 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

  10. 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

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

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

  13. 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.

  14. 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.

  15. 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.

  16. 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 🙂

Credit 4 Everyone