User Posts: Credit 4 Everyone
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You can't beat a traditional paper Catalogue, something you can physically hold and browse. In 2016 a number of Catalogue companies stopped producing the paper ...

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We have received a few emails in the past few years from people asking us why have Next reduced their Credit limit on their Next Pay Account? Often people ...

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Same day delivery Catalogue company argos catalogue card Have you forgotten a Birthday? Has your Iron or Television just stopped working. Are you looking ...

Bad Credit
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Which Catalogue is the Easiest to get accepted for? Easy acceptance catalogues We are often asked which is the easiest pay monthly catalogue to get accepted ...

Pay Monthly
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NewDay have launched a new Sub Prime credit card to the Uk Market. Following the Success of Aqua Card and then Marbles another former Credit Card has been ...

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UK Lenders could lose £30bn in the next downturn as UK Householders debt levels surge. If there was to be a Sudden Shock to the Financial System such as a ...

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Pay more than the minimum repayment on your Catalogue paying more on your catalogues each month can save a pretty penny. to save money... Pay monthly ...

Pay Later
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If you are looking for an all rounder Catalogue offering everything from Fashion through to Electrical items, Toys, Gadgets, White Goods, Furniture and ...

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Very Buy Now Pay Later Pay Monthly Catalogue Very is one of our personal favourite Catalogues due to the number of items available and the next day delivery. ...

Pay Monthly
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 Request your Next Directory Catalogue Spread the cost with a Next Pay catalogue account. Apply online for an Instant Decision, if successful you can spend ...

Pay Monthly
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Yankee Candles Love Yankee Candles? If you do, then Studio Catalogue could be worth a look. They  are offering 20% off the delicious Smelling candles but ...

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fashion catalogues Buying now and Paying Later is becoming increasingly popular. The idea is simple. You can select items you want and choose the Buy Now ...

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JD Williams are making changes to it's Catalogue line up. Previously, Customers with a JD Williams, Fashion World, Jacamo, Simply Be Catalogue could use the ...

Pay Later
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argos catalogue Remember sitting down on the Sofa using a pen to highlight the Toys you wanted for Christmas? Well we are always saying Kids of Today don't ...

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It's been a while since I updated you all on my Credit Repair journey so this is quiet some update. A large default had dropped off (£3k) in December 2016 and ...

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If you are a Customer of the popular Fifty Plus catalogue you will be disappointed to learn that the Catalogue is closing. Although, it's not all bad news. The ...

Bad Credit
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catalogues buy now pay later So you have missed some repayments, made too many applications for credit or have Defaulted on your Credit agreements. This ...

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The Brilliant Gift Shop Catalogue has closed. Owned by the JD Williams group, customers will need their account number and login via one of their other ...

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If you are paying a monthly fee to access your credit report stop! You can access all 3 of your credit reports totally free of charge. This includes your ...

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If you have a pay monthly catalogue with a low credit limit or a credit limit which hasn't been increased for a while you are probably wondering what you can ...

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EE have been fined £2.7 million pounds for overcharging it's customers who called 150 from abroad. It's been reported that tens of thousands of customers were ...

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Pay Monthly Catalogues & Credit Ratings We get asked the question, Do Pay monthly Credit Catalogues really help your Credit Rating?. Or does running ...

Bad Credit
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 Apply for the Savvy Benefit Card Guaranteed, No Credit Check Catalogue with a Credit limit of £2500, You can also apply for a Guaranteed No Credit check ...

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Missed Catalogue Payment - What happens now? It happens. Life's busy, Cashflow or a simple oversight. You login to make a payment for your Catalogue and ...

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debt, debt management, debt charities, debts, personal debt Debt Charities Concerned with Christmas Spending Recovery Period Leading Debt Charities are ...

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Buy Now, Pay Later debt Buy Now Pay Later can be beneficial to most, but a recent report from Citizen Advice shows concern especially for younger customers ...

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Home Shopping Pay Monthly Catalogue Credit Limits When you first apply for a Home Shopping Pay Monthly Catalogue you will be asked to choose between a Cash ...

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buy now, pay later Home Shopping, Pay Monthly Catalogues offer a number of benefits. Catalogues have come a long way since the 80s. Back in the 1980's ...

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landline, line rental, telephone, ofcom You may not even use a Landline but there is a chance that you are paying for it just to have Broadband. Ofcom has ...

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rent to own- kitchen and house appliances: microwave, washing machine, refrigerator, gas stove, dishwasher, tv. The FCA have hinted that it's considering a ...

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If you have had a period of Missed payments or excessive Credit Applications your Credit Rating Score may take a hit for a while. With this in mind, Credit ...

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How much could you save? save money on energy bills uSwitch.com is a free, impartial online comparison and switching service. uSwitch helps people to ...

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out of control debts Official figures show that Household debts have risen to their highest ever level. Indebtedness is growing at the fastest rate since ...

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. ...

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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