1. Which catalogue do you recommend for the lowest APR

  2. I have 3 catalogues and you are right, be careful on how much you spend, catalogues are a fast way to get into debt, I manage my payments by clearing the higher APR one first and reducing the others to the lowest possible payment

  3. I would love a catalogue with credit to build up my credit rating but all of the pay monthly catalogues I have messed up with (non payment)

    • 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.

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