Pay Monthly Home Shopping, Mail Order Catalogues with Credit
Home Shopping Catalogues with Credit allow you to buy now, pay later. You can spread the cost with a Pay Monthly or Pay Weekly Catalogue.
Apply for a Pay Monthly Catalogue
Open a Pay monthly home shopping credit catalogue account
Pay Monthly Catalogue Guides
Everything you need to know about Pay monthly catalogues with credit
Spread the cost with a Pay monthly credit catalogue
If you would find monthly repayments easier than paying upfront for items then a Pay monthly Catalogue account maybe perfect for you.
Applying for a Credit Catalogue account is quick and easy, furthermore running a Catalogue account can help build a positive credit rating.
Another positive reason is the ability to order items for next day delivery, More home shopping mail order catalogue companies now offer Next day delivery, to Open and Apply for a Catalogue, please click here.
Apply and Open a Pay monthly credit catalogue
Your Comprehensive guide to Pay monthly Catalogues
First of all you need to select which pay monthly catalogue suits your needs.
This is an important step, as Some pay monthly catalogues may be dedicated to Fashion for example.
Once you have chosen your Catalogue it's time to make an application
Applying for a pay monthly catalogue
Opening a Catalogue credit account is easy.
Simply add the items you want into your basket and proceed to the checkout.
At the checkout you will be presented with a few choice, you can pay for your order in full using a credit or debit card, similarly you can choose to open a Credit account with your catalogue.
You will be required to provide the following information to apply for a Catalogue
- Your Name,
- Date of Birth
- Residential Status
- Employment status
- Income details
Once you Submit your application, the Catalogue company will make an instant decision.
Catalogue credit checks
Unless you choose a bad credit, no credit check catalogue, your application will be checked at a Credit reference agency.
If you have some credit problems, you may wish to select a Catalogue company based upon the Credit Reference agency they will check, hence the table below will help you.
Which Credit reference agency will the Catalogue companies check?
CatalogueCredit Reference Agency used for Credit Checks
|Catalogue||Credit Reference Agency used for Credit Checks|
|Redcats Group (LaRedoute Catalogue & Vertbaudet Catalogue)||Equifax|
|Findel PLC (Ace Catalogue & Studio Catalogue)||Experian|
|OTTO Group (Look Again, Swimwear24, Bonprix, Kaleidoscope & Witt International)||Experian & Equifax|
|Candid Collections (JD Williams Catalogue, Jacamo Catalogue, Simply Be Catalogue, Fashion World Catalogue)||Experian & TransUnion (Was Called Call Credit)|
|Savvy Benefit Card Catalogue||No Credit Check|
|Step Card Catalogue||No Credit Checks|
The above table was accurate up until Saturday 27th July 2019.
Catalogue Credit Checks explained
Your application for a credit account is subject to your Catalogue company being satisfied that you can comfortably afford the repayments each month.
It seems like pay monthly catalogues are a popular form of credit because Catalogue companies are more lenient in terms of approvals.
So even customers with some previous credit problems can be accepted for a Catalogue credit account.
First of all, one of the most important checks made is the affordability checks.
Customers with Excellent credit ratings can be declined for credit if they don't have the means to make monthly repayments.
Affordability checks are carried out using your annual income and your current levels of debts.
Being registered on the Electoral register will almost be required by anyone offering credit, for the reason that it proves stability.
Customers who don't pass identity checks will almost guarantee an Instant decline or in some cases, may be asked to send in proof of identity.
Catalogue Credit Scoring
How have you managed credit in the past and how often have you applied for credit?
This will affect your application, Customers with Low levels of debt and those with a good history of making repayments on time will have a better chance of acceptance for a pay monthly catalogue credit account.
Catalogues all have different Credit Scoring Policies. This means if you are declined by one Catalogue company, you could easily be approved by another.
Catalogue Fraud Checks
The final checks are Fraud checks, Most people will have no issues passing these checks, which is why you should never Lie on applications or make fraudulent insurance claims.
You can read all about fraud checks here.
Credit Catalogue Application approved
Once your application is accepted you can place your order.
Catalogue credit limit
Your Catalogue account will be subject to a Credit limit.
The Credit limit is the maximum you can owe your Catalogue at any time.
Catalogue credit limits are variable, this means your Catalogue company may increase or decrease them at any time.
If you wish to increase your catalogues credit limit we recommend that you have maintained at least the minimum repayment for six months before requesting.
Consequently initial credit limits are often offered to see how you manage your account, usually after 3 months you usually qualify for a Credit Limit increase.
Some pay monthly Catalogue companies increase credit limits frequently!
When a Catalogue company is considering a Credit Limit increase they will write to you to inform you on the date the new limit will take affect from.
Your Credit report will affect your Catalogues Credit Limit
With responsible lending requirements, Catalogue companies are now legally required to be a responsible lender, therefore, as long as you are managing credit well you could qualify for credit limit increases.
However, if you are overstretched and missing repayments, you may not be offered Credit Limit increases and you may be refused requests you make.
Some Catalogue companies, most noteworthy, Next, will put a pause on your Credit if they notice changes in your personal circumstances which may affect your ability to maintain repayments.
Your first order
Due to Fraud and risk, your first order may fail, this is especially true if you place a large order.
Catalogue companies may ask for a small upfront payment or request you place a smaller order at the start.
Once your first statement has been generated and paid and subject to having enough available credit, your order should be accepted.
Most Home Shopping Mail Order Catalogue Companies now offer Next Day Delivery, ideal when you are in a hurry for an item.
You can choose to have your Order delivered to your Home Address, A Drop off point, to work or an alternative address.
Please be aware, some Catalogue companies will insist that your first order is sent to your home address, this is for Security purposes.
Large and Bulky items may be sent direct from the Manufacturer, this may take several days, your Catalogue company will keep you up to date in regards to the delivery due date.
Returning items to your Catalogue
One of the main perks of Mail Order pay monthly catalogues is the Home Approval guarantee.
Available of most items, you can return any items that are not as expected.
Please be aware, certain items are excluded from the Home Approval guarantee, these are clearly stated on the website.
Usually this is for Hygiene or Copyright reasons.
How to return items
Inside each order will be an Advisory / Order Note, you can complete this form if you are wishing to returning an item.
Simply follow the instructions to arrange collection
Your Catalogue Statement
You will receive your Catalogue statement once a month
This will display your Orders, any payments you have made
Details of any items you have returned and Credit information, such as your Credit limit and the amount of available credit you have to spend at your Catalogue.
You can make full payment anytime by either logging into your account or by calling customer services, or if you choose, you can make any repayment as long as it's at least the minimum repayment shown on your Catalogue statement.
The Catalogue statement will display how much you need to repay and the date which you need to pay it by, you can set up a Direct Debit if you prefer.
If you are late paying, You may be subject to a late charge by your Catalogue company.
If you are struggling to make the repayments, you should contact your Catalogue company as soon as you can, they will have a specialist department who can help you find a solution.
Catalogue companies know that sometimes events may mean people cannot make repayments on time, by letting the Catalogue company know you can help preserve your Catalogue account and your Credit rating.
Benefits of Mail Order Home Shopping pay monthly catalogues
There are lot’s of benefits for Opening and shopping with a Catalogue account. These include…
- Spread the cost of Expensive items, pay in easy to manage instalments
- Can help Improve your Credit Rating
- Next Day Delivery available on hundreds of items*
- Extended Warranties available on Selected items
- Free Gifts and Offers for Customers
- Delivery to your Home or any address you choose**
** Subject to terms and conditions
Application for a pay monthly catalogue rejected
If Your Application For A Pay Monthly Catalogue With Credit Has Been Rejected then it's likely you have failed the Credit checks.
All applications are subject to credit scoring.
You Can Check Your Credit Report Here.
You yay not be able to Rectify Credit Problems showing on your credit Report, such as, If you have missed repayments Or have Defaulted on a Credit Agreement. This information will remain on your Credit file for six years.
But you can still enjoy the benefits of a pay monthly catalogue.
Pay Monthly Catalogue for bad credit
First of all, remember Catalogue companies are often more lenient in terms of credit approval, So if you haven't yet tried a Prime Credit Catalogue click here first.
A bad credit catalogue or a No Credit Check Catalogue can help you enjoy the benefits of Home shopping with a pay monthly catalogue.
As a result, you can certainly feel assured that your application will not be rejected because of your credit rating.
How bad credit catalogues work
A Bad Credit pay monthly catalogue will do everything they can to approve your application.
You can enjoy a Credit limit of up to £2500 with Instant and Guaranteed approval.
The Good news is opening and running a Pay monthly catalogue well can help improve your credit rating. Just like any other form of credit, it’s important that you stay within the Catalogues Credit limit and make your payments on time each month.