Choosing a pay monthly catalogueHow to choose a pay monthly catalogue
With so much choice when it comes to pay monthly catalogues it can be hard to choose which catalogue to apply for.
What you need to consider is what kind of items you are going to order from your Pay monthly catalogue, today and in the future.
If you are into the latest fashion then a Fashion pay monthly catalogue is likely to be a great choice for you.
Find your perfect pay monthly catalogue
If for example you are wanting the latest styles and fashion then a Fashion catalogue is likely to be great for you.
If being able to spread the cost without paying interest is important to you then a buy now pay later pay monthly catalogue could be for you.
You may also like to consider a more traditional all rounder pay monthly catalogue like the Freeman’s, Very or Studio catalogue.
If you can’t decide, we can help
If you can’t decide then read on, this page is packed with information to help you find the perfect pay monthly catalogue.
You can take a look at the range of pay monthly catalogues available by clicking here.
We have also created a section to show you which pay monthly catalogue is more suitable for each category here.
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Spread the cost with a pay monthly catalogueAdvantages to having a pay monthly catalogue
Pay monthly catalogues with credit are a great way of spreading the cost.
You can order today without any upfront payments and spread the cost of the items you order with low and affordable monthly repayments.
Order when you need with yout catalogues credit limit
Once your pay monthly catalogue account is opened, you can place an order, you can choose to place an order right away or order as and when you like. Your Catalogues credit limit will be available to you as long as you maintain your repayments and stay within the Catalogues credit limit.
Pay monthly catalogues can also be good for your Credit rating, find out how they can have a positive effect here.
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Pay monthly catalogue credit checksAre pay monthly catalogues credit checked?
When you submit an application for a pay monthly catalogue with a traditional mainstream catalogue company your application is going to be subjec to credit checks, identity checks and affordability checks
Your Pay monthly catalogue will run a credit check at one or more of the UK credit reference agencies, these will either be Experian, Equifax or Call Credit. You can find out which Credit reference agency each pay monthly catalogue company will check here.
To confirm you are who you say your are the Pay monthly catalogue company will complete some identity checks in the background at the time of your application. These are nothing to worry about, Customers who are not on the Electoral register may not pass these checks and may be asked to submit some additional de. Occasionally, customers who cannot pass Identity checks may be rejected for credit. Get registered by contacting your local council.
Under new responsible lending laws all pay monthly catalogue companies must carry out affordability checks as part of the application stage. Your employment status, income and current debt levels will be used to access the affordability of running a pay monthly catalogue.
Other checks may include checking fraud registers and any previous history you have within the Catalogues group.
Your instant decision pay monthly catalogue decision
All of these checks will be done automatically when you apply and take seconds to complete.
If your application for a Credit Catalogue is successful, the Catalogue company will inform you about your Credit Limit and the APR (The Interest rate) on your account.
You will be asked to set a password so you can login and manage your pay monthly catalogue account online.
You can then checkout using the Pay monthly catalogue credit facility.
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Bad Credit catalogues for people with poor creditHow to get a Pay monthly catalogue with poor credit
If you are worried about passing a pay monthly catalogue credit check or you have applied and have been unsuccessful then it could be because you are seen as having a poor credit history or you are a risk to the Catalogue company in terms of paying back money you borrow.
You can enjoy all the benefits of a pay monthly catalogue
This doesn’t mean you can’t enjoy all of the benefits of a pay monthly catalogue, in fact you can still open a pay monthly catalogue account. We offer a range of pay monthly catalogues for people with bad credit including no credit check pay monthly catalogues.
We help hundreds of people each month get accepted for catalogues.
Mainstream traditional pay monthly catalogues can accept customers with bad credit
The first thing to be aware about is each pay monthly catalogue company is different in terms of the types of customers they are willing to accept. This means even customers with a bad credit history may be offered a pay monthly catalogue account.
Sometimes with a lower credit limit or with a higher than normal interest rate, but they can and do accept customers with bad credit.
Each catalogue company is different
Each Catalogue will have a different credit scoring requirement, which means Catalogue company A may decline you but Catalogue company B may accept your application for a credit catalogue account.
All of the Catalogue companies listed on our website have a history of accepting customers with previous bad credit.
Bad credit customers can still enjoy the benefits of a pay monthly catalogue
If you have tried a Mainstream Catalogue company and have been unsuccessful then you may like to consider our Guaranteed no credit check catalogue, offering a guaranteed credit limit of up to £2500, click here for full details.
Lot’s of different factors can cause someone to have a poor credit history, it doesn’t mean you can’t enjoy the benefits a pay monthly catalogue has to offer.
People searching for a bad credit catalogues have usually been declined for a Pay monthly catalogue.
What is a bad credit history?
Examples of a bad credit rating include missing repayments on Credit agreements, making credit repayments late, making too many applications for credit in a short period of time, defaulting on a credit agreement or being issued with a County Court Judgement for non payment of a debt in the past six years.
It’s always worth trying an application for a mainstream catalogue, When we had poor credit we still managed to open a Catalogue account with Ace, JD Williams and Look Again.
Traditional pay monthly catalogues
If you do try a traditional mainstream catalogue and are declined, stop and check your credit report. Consider pay monthly catalogues that have a better chance of success or try and Guaranteed no credit check pay monthly catalogue.
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Catalogue credit limitsHow pay monthly catalogue credit limits work and how to get Catalogue Credit Limit Increases
Your pay monthly catalogue credit limit is set when you open your Catalogue account. It may be increased from time to time.
Your catalogues credit limit is the most you can owe your pay monthly catalogue at any time.
If you try to place an order from your Catalogue which is higher than the account credit limit, you will be asked to pay the difference using a debit or credit card.
When will my catalogue increase my credit limit
Catalogue credit limits are reviewed frequently so by maintaining your repayments on time you will increase your chances of a credit limit increase.
Use your Catalogue credit limit as often as you like
You can place Catalogue orders anytime you choose as long as you remain with the Catalogues credit limit.
How often do Catalogue companies review credit limits?
Every Catalogue is different. It should also be said that every customers circumstances are different.
This means that Credit limit increases will vary from Catalogue company and by customers personal circumstances.
Most catalogue companies will review a customers credit limit every couple of months, it can take up to 6 months to start becoming eligible for a credit limit increase. Some Catalogue companies will increase limits once they see the fist repayment.
Using your catalogue can help improve your chances of a credit limit increase
Placing regular orders and making your repayments on time will improve your chances of receiving credit limit increases with your catalogue.
Increased credit limits offer more spending power and can help improve your credit rating.
Can I request higher credit limits with my Catalogue company?
Each pay monthly catalogue is different and will have different requirements.
For example, the JD Williams group do not allow credit limit increase requests, they will tell you that if you become eligibl for a credit limit increase they will notify you.
The Freemans and Look Again catalogues do review credit limits frequently, Usually every 3-4 months , they can also consider requests if you call them.
Very and Littlewoods both offer a link inside the management area to request a higher credit limit, Usually you need to be a customer for a few months before they will consider a a request to increase a credit limit.
Studio / Ace catalogue also review credit limits manually every few months, they will notify you if you become eligible for an increase.
Can I refuse a Catalogue credit limit increase?
You can reduce your Credit limit at any time or refuse an increase being offered, simply contact your Catalogue comany to do this.
Why is my Catalogue not increasing my credit limit
A number of factors are considered before a catalogue company will increase your credit limit, including how much debt you have elsewhere. How you are managing your finances elsewhere and your personal circumstances.
Some customers receive lot’s of credit limit increases and some customers don’t receive any credit limit increases.
To improve your chances of receiving catalogue credit limit increase offers, make sure you are not taking on too much debt elsewhere, keep up with your repayments with the Catalogue and elsewhere and try not to apply for too much credit.
Are you keeping up with your repayments elsewhere?
Some Catalogue companies like Next for example will receive a feed from the Credit reference agencies, So if you are not keeping up with your repayments elsewhere or are taking on too much credit they may suspend your credit facility.
It’s unusual for a catalogue company to redue credit limits although it can happen, Often if you are struggling to maintain your repayments elsewhere for example.
Remember, credit limits can be increased or decreased
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Advantages of running a pay monthly catalogue Getting the most from your pay monthly catalogue
Once you apply for a pay monthly catalogue you will often be rewarded with a new customer welcome offer.
These offers change from time to time but can include things like free delivery, money off your first order or a discount code. Usually these offers are only available to new customers placing their first order.
Pay monthly catalogues also offer the convenience of being able to place orders as and when you need them.
This coupled with the ability to spread the cost of the items you order with easy and affordable repayments, it’s no wonder that pay monthly catalogues with credit are so popular.