Mail Order Catalogues

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Apply for a Mail Order catalogue personal account

Apply and open a pay monthly mail order catalogue personal account. Spread the cost of purchases with affordable monthly repayments.

Applying for a pay monthly credit catalogue

Comprehensive Guide to Mail Order Catalogue Credit

Find out how Pay Monthly, Mail Order, Catalogue Credit, Personal accounts work with our easy to understand guides.

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Bad Credit Mail Order Catalogue personal accounts

Pay monthly catalogue personal accounts for customers with poor credit, CCJs and Defaults welcome, Guaranteed Acceptance

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About Mail Order Catalogues

Mail Order, Pay Monthly Catalogues personal accounts have been a big part of Uk Households since 1905.

They offer a convenient way of spreading the cost on items that you order with affordable monthly repayments.

Apply and Open a Mail Order Catalogue personal account

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How to open a Mail Order catalogue personal account

Above all it's worth mentioning that you can apply and open a Catalogue personal account in minutes. Simply choose your Mail order Catalogue and then add items to your basket

For the reason that applications are credit checked, keeping your first order low in value will improve your chances of success.

Finally, visit the Checkout and Choose the Personal account as form of payment, Complete the short application, In almost all cases you will get an Instant decision

What you need to open a Mail Order catalogue personal account

Unless you choose a bad credit or a No credit check Mail Order Catalogue, Your application will probably be checked at one or more of the Credit reference agencies shown in the table below.

To apply for a personal account with your Catalogue you will need to supply the following information.

  • Your Name,
  • Address
  • Date of Birth
  • Residential Status
  • Employment status
  • Income details

Once you Submit your application, the Catalogue company will almost certainly make an instant decision.

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.

Catalogue Company Credit Checks

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CatalogueCredit Reference Agency used for Credit Checks

Mail Order 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

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The above table was accurate up until Saturday 27th July 2019.

Mail Order Catalogue Personal Account Credit Scoring

Catalogue companies will carry out Several checks when you apply for a personal account

Identity Checks

Being registered on the Electoral Register will improve your chances of passing these checks, more details can be found here.

Affordability Checks

Catalogue companies want to be sure that you can afford the monthly repayments, if you have a good ratio of income to debt you should pass this check. More details can be found here.

Credit Checks

How have you managed credit in the past? Have you missed payments? How many times have you applied for credit?

Each of the above checks will be scored, Along with information you provide in your application, such as, Income and Residential Status. If you Score passes the threshold your application is likely to be approved.

Fraud Checks

Almost all Catalogue companies will carry out additional checks such as Fraud checks to ensure the person applying is the personal wanting a Personal Catalogue account, it will also check the details you have supplied to compare previous applications, More details can be found here.

Catalogues all have different Credit Scoring Policies.

Consequently, This means if you are declined by one Catalogue company, You can still be approved by another.

Mail Order catalogue personal account Credit limits

As a result of a Successful application, your Catalogue company will offer you a Credit limit. This is the maximum you can owe your Catalogue company on your personal account at this time.

Because Catalogue credit limits are variable your Catalogue company may increase or decrease your Credit limit at any time.

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How to increase Catalogue credit limits

Catalogue companies review Credit limits every month, For the reason that Catalogue companies want to see how new customers pay first, New customers may receive low credit limits initially.

By placing regular orders and keeping up with the monthly repayments you will certainly stand a better chance of receiving a credit limit increase.

Your Credit report will affect your Catalogues Credit Limit

As a result of responsible lending requirements, Catalogue companies are now legally required to ensure they are following Responsible lending policies, Therefore, as long as you are managing credit well elsewhere you could qualify for credit limit increases.

While, in contrast if you are overstretched and missing repayments on other Credit you have, you may not be offered Credit Limit increases and you may be refused requests you make.

Some Catalogue companies, most noteworthy, Next PLC, will put a pause on your Credit Limit if they notice changes in your personal circumstances which may affect your ability to maintain repayments.

Responsible Lending

As a result of responsible lending requirements, Catalogue companies are now legally required to ensure they are following Responsible lending policies, Therefore, as long as you are managing credit well elsewhere you could qualify for credit limit increases.

While, in contrast if you are overstretched and missing repayments on other Credit you have, you may not be offered Credit Limit increases and you may be refused requests you make. Some Catalogue companies, most noteworthy, Next PLC, will put a pause on your Credit Limit if they notice changes in your personal circumstances which may affect your ability to maintain repayments.

Catalogue Delivery

Most Home Shopping Mail Order Catalogue Companies now offer Next Day Delivery, consequently this may cost more, but it is ideal when you are in a hurry for something.

You can choose to have your Order delivered to your Home Address, A Drop off point, To your Place of work or to any 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, As a result, this may take several days to fulfil your order, In contrast, Your Catalogue company will pass your telephone number to the Manufacturer so they can arrange a suitable time for delivery.

Catalogue home approval

While of the main perks of Mail Order pay monthly catalogues is the ability to spread the cost, Another is the Home Approval guarantee.

Available of most items you order, 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.

Catalogue Statements

Each month your Catalogue company will send you a Statement, This will display

  • Any Orders You have placed likewise, any items you have returned
  • Your Balance outstanding from the last Statement in contrast it will also display payments you have made.
  • The minimum payment amount due this month and the date it needs to received by.

Other information Such as details about your Credit limit and the amount of available credit you have to spend at your Catalogue.

What if I miss Catalogue repayments

If you are late paying, You may be subject to a late charge by your Catalogue company.

Consequently, this may affect your Credit rating and could make it harder to obtain credit in the future.

If you are struggling to make the repayments, You should contact your Catalogue company as soon as possible.

Each Catalogue company is likely to have a specialist department who can help you find a solution.

Can I get a Mail Order Catalogue personal account with bad credit?

It certainly isn't uncommon! Although Catalogue companies are more lenient in terms of credit approval there are a number of reasons why someone is rejected when applying for a pay monthly catalogue personal account.

Consequently we can still help. We offer a range of pay monthly catalogue personal accounts for people with poor credit or those declined for a mainstream catalogue.

Our bad credit catalogues Guarantee Acceptance because they promise no credit checks.

Mail Order Catalogues that accept bad credit

Instant decision, Guaranteed Acceptance Pay monthly Mail Order catalogues for people with a poor credit rating.

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