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

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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Pay Later Argos Pay Monthly

Argos Pay Monthly

Pay monthly Catalogue and Catalogue Card. Argos Catalogue offers Buy Now Pay Later Credit and Pay monthly catalogue options. All with same day delivery, ideal for Birthdays ...
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Placing your first order

Placing your first order

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 then choose the ...
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Poor Credit Step Card Catalogue

Step Card Catalogue

A pay monthly catalogue available to visitors with poor credit! Introducing the Step Card Catalogue. No Credit check pay monthly catalogue, Guaranteed Acceptance – Credit ...
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Poor Credit Savvy Benefit Card

Savvy Benefit Card

Enjoy a Guaranteed Acceptance with No Credit Check - You will enjoy a Catalogue credit limit of £2500 and other benefits including a Guaranteed mobile phone contract without ...
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Pay Later Next Pay Catalogue

Next Pay Catalogue

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 instantly. You can also ...
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Fashion Swimwear 365 Catalogue

Swimwear 365 Catalogue

Swimwear and Holiday Fashion catalogue. Spread the cost of Fashion and Holiday clothing with the Swimwear365 catalogue credit account. Offering pay monthly and buy now ...
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Fashion Kaleidoscope Catalogue

Kaleidoscope Catalogue

Homeware and Fashion - This pay monthly catalogue offers an Instant decision and if Successful you can spend instantly. Apply for a Kaleidoscope Catalogue About the ...
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Fashion Bonprix Catalogue

Bonprix Catalogue

Fashion Catalogue for Men and Women offering you the chance to spread the cost when you apply for a BonPrix catalogue credit account. Offering Pay monthly and buy now pay ...
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Fashion Witt International Catalogue

Witt International Catalogue

 Witt International Catalogue. Packed with the latest trends and styles. Request your Witt International Catalogue today. Request a WITT International CatalogueWitt ...
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Fashion La Redoute Catalogue

La Redoute Catalogue

French Fashion catalogue, Spread the cost with Pay Monthly credit options. The La Redoute catalogue offers French Fashion and Unique Styles for you and your family. ...
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pay monthly Studio Catalogue

Studio Catalogue

Studio offers a wonderful pay monthly catalogue packed with Gift ideas, fashion, homeware, appliances and electrical goods.
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pay monthly Freemans  Catalogue

Freemans Catalogue

 Request a Freemans Catalogue Freemans offers you the choice of paying monthly or spreading the cost with buy now pay later. You can buy pretty much everything from this ...
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Pay Later Look Again Catalogue

Look Again Catalogue

Look Again is a fresh new Catalogue site from the Otto Group. Look Again offers gorgeous clothing, footwear and interior items, plus there is a host of useful interactive ...
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Poor Credit Deluxe Gold Card Catalogue

Deluxe Gold Card Catalogue

The Deluxe Gold card catalogue was designed to give people with bad credit the chance to rebuild their credit rating using a pay monthly catalogue. The catalogue allows you ...
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Fifty Plus Catalogue

Fifty Plus Catalogue

Fifty plus Catalogues is a great catalogue account for the mature woman who is still very much young at heart. Clothing is available in sizes 12-34 and Shoes in sizes 4-9 ...
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House of Bath Catalogue

House of Bath Catalogue

House of Bath, Quality Furniture and Decor for every room in your home. Find Unique items not readily available on the high street, reflect your taste with stylish ...
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Julipa Catalogue

Julipa Catalogue

Julipa Catalogue provides smart fashion that is cut to fit and flatter the mature woman. We have fashion for all occasions available in sizes 10-30 and stylish footwear in ...
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Daxon Catalogue

Daxon Catalogue

The Daxon Catalogue believed Every woman deserves to feel confident in what she wears. That's why Daxon is dedicated to classic, elegant styling, superior comfort and great ...
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Poor Credit Yes Catalogue

Yes Catalogue

Bad Credit Catalogue - The Yes Catalogue Card is aimed at those with Poor Credit. If you have a bad Credit rating this Catalogue account may be just for you, they approve ...
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Poor Credit Choice Freedom Gold – Catalogue Card

Choice Freedom Gold – Catalogue Card

With a guaranteed Unsecured credit limit of £500 for accepted customers, the Choice Freedom Catalogue has extremely high approvals and will report your payments back to the ...
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pay monthly The Brilliant gift shop catalogue

The Brilliant gift shop catalogue

The Brilliant Gift Shop Pay Monthly Catalogue with Credit from JD Williams A great alternative is the Look again catalogue, also packed with amazing Products for your home, ...
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JD Williams Catalogue

JD Williams Catalogue

The JD Williams Catalogues is a fantastic Catalogue company for those with previous credit problems looking to rebuild their credit rating. place and order, keep up with the ...
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Jacamo Catalogue

Jacamo Catalogue

About the Jacamo catalogue - Jacamo customers keep their wardrobe up to date with menswear for all occasions from cool casual wear to great fitting, tailored suits. The site ...
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Simply Be Catalogue

Simply Be Catalogue

The Simply Be Catalogue - As well as our own gorgeous clothing, Simply Be brings you the most fabulous fashion from big brands and designers all in sizes 14-32. Simply BE ...
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Premier man catalogue

Premier man catalogue

Premier Man offers you the chance to Shop for your whole wardrobe from casual wear to tailored suits in sizes up to 5XL. The Premier man catalogues allows you to pay monthly ...
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Marisota Catalogue

Marisota Catalogue

As seen on TV, The Marisota Catalogue provides the latest fashions, designed to flatter every figure. Marisota girls can be assured that they will look and feel gorgeous ...
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Fashion Curvissa Catalogue

Curvissa Catalogue

Fashion catalogue offering pay monthly credit terms ideal for Women sized 14-32. Find the latest Styles and Fashion labels and spread the cost. Request a Curvissa ...
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Pay Later Ace Catalogue

Ace Catalogue

Open an Ace Catalogue account and you can choose how you repay, choose Pay Monthly or buy now pay later. The Ace Catalogue offers an Instant decision and Instant credit ...
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Poor Credit Dial a TV – Rent or Rent to Own, Pay Weekly or Monthly

Dial a TV – Rent or Rent to Own, Pay Weekly or Monthly

 Apply for your Dial a TV account Spread the cost by paying weekly or monthly with Dial a TV. Bad Credit welcome, easy acceptance offering rent or rent to own. Furniture, ...
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Very Catalogue

Very Catalogue

Very is one of our personal favourite Catalogues due to the number of items available and the next day delivery.Opening an account is pretty straight forward,Very offer an ...
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pay monthly Littlewoods Catalogue

Littlewoods Catalogue

Littlewoods.com 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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Fashion World Catalogue

Fashion World Catalogue

The Fashion World Catalogue specialises in offering flattering clothing and lingerie to help customers keep up with the latest trends that best suit them. Fashion World ...
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Fashion Vertbaudet Catalogue

Vertbaudet Catalogue

French Fashion Pay Monthly catalogue Spread the cost with the Vertbaudet Catalogue, Apply now and pay monthly. Packed with the latest Children's French Fashion ideal for ...
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Understanding Your Catalogue Statement

Understanding Your Catalogue Statement

Your Pay Monthly Catalogue Statement Each month your Catalogue company will send you your pay monthly catalogue Statement. Your Catalogue statement may be posted or ...
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How to choose the right catalogue for you

How to choose the right catalogue for you

Pay Monthly Catalogue Guide - How to choose the right catalogue for you home shopping catalogue with credit How do you choose the right pay monthly catalogue? You want ...
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Can I get a Catalogue with Bad Credit?

Can I get a Catalogue with Bad Credit?

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 problems when ...
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Jacamo Rate jacking

Jacamo Rate jacking

Catalogue company are hiking interest charged to customers. Letters being sent to customers inform them that it's due to changes in personal circumstances Customers who ...
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Next Wins Ted Baker Children's Range

Next Wins Ted Baker Children's Range

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 Baker-branded clothes, ...
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Next Credit Limit Reduced

Next Credit Limit Reduced

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 are unaware of ...
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Next Annual Sales and Profits Fall Again!

Next Annual Sales and Profits Fall Again!

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 Next's stores ...

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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

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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.

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Catalogue Company Credit Checks

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

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

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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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Poor Credit Savvy Benefit Card

Savvy Benefit Card

Enjoy a Guaranteed Acceptance with No Credit Check - You will enjoy a Catalogue credit limit of £2500 and other benefits including a Guaranteed mobile phone contract without credit checks.[
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Poor Credit Yes Catalogue

Yes Catalogue

Bad Credit Catalogue - The Yes Catalogue Card is aimed at those with Poor Credit. If you have a bad Credit rating this Catalogue account may be just for you, they approve more applications than any ...
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