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No Credit Check catalogues – Guaranteed Acceptance Pay monthly catalogues
If your application for a pay monthly catalogue has been unsuccessful then it’s likely to be down to Credit Scoring.
Catalogue companies use Credit scoring to decide whether or not to open a Credit account for you.
Credit Scoring will vary from Catalogue to Catalogue.
When you complete the application you will be asked some questions, these answers along with information the credit reference agency supply the Catalogue at the time of your application will help decide if your application is successful or not.
Credit Scoring is used to hep the catalogue company predict how you will run your Catalogue account and how likely it is that you will be able to afford the repayments and what risk you are in terms of defaulting on your repayments.
Why your income and employment status are important
Your income, Employment status, Accommodation Status, Your Age and how many applications for credit you have made in the past year will be used to help them score your application.
This and how you manage your Financial agreements now and in the past 6 years will all be considered when making that final decision.
If you have had any past dealings with the Catalogue company this may also influence the decision.
Credit Scoring does change on a regular basis.
It’s main aim is to predict customers behaviour, spending habits and how likely they are to make the monthly repayments on time.
My catalogue application has been declined.
If your application for a pay monthly catalogue is unsuccessful it is always worth checking your Credit report.
Credit scoring has been used for many years on a range of financial products like Bank accounts, Credit Cards and Personal Loans.
Credit Scoring has great success in predicting wherever a customer is going to be a good or bad risk for the Catalogue company.
If you feel your application decision is wrong you can appeal the decision, full details on making an appeal and the grounds for doing so are here.
Apply for a no credit check pay monthly catalogue
The step Card- Guaranteed acceptance bad credit catalogue – Apply today and start rebuilding your credit rating.
Savvy Benefit Catalogue – Guaranteed Acceptance, No Credit Check,
When you become a Savvy Benefits member, you get access to some amazing products available at our store. A £2,500 credit line* Apply Here
The Yes Catalogue – Very High Approvals and do accept customers with CCJ’s and Defaults Apply here
Deluxe Gold Card Catalogue – Again, very high approvals and accepts CCJ’s Defaults and even customers with a discharged bankruptcy Apply here
Choice Freedom Catalogue – Guaranteed £500 Credit Limit for those accepted, accepts customers with very poor credit ratings – Easy Application Apply here.
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Understanding your pay monthly catalogue Statement
Once you have placed and received your first order from your Catalogue You will be given a short period of time to make sure you are happy with your purchase, This is called the Home Approval stage.
Inside each order you place with your pay monthly catalogue will be an advice slip. You can use the slip to return any items you are not happy with.
Pay monthly catalogue orders are usually sent on a Home approval basis. Some items will be excluded for Hygiene reasons or for Copyright reasons, however these will be clearly displayed at the time of your order.
If you are happy with your items you can sit back and relax.
Your first Catalogue statement will usually be produced within 28 days of you opening your Catalogue account.
Your Pay monthly catalogue statement will list the orders you have placed, the payments you have made and details about your credit limit. You will also see the minimum payment and the date you must make your payment by.
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How 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 eligible 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 reduce 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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Catalogue Warranties – Peace of mind
If you want the added peace of mind you can add extended warranties to a range of items you order from your home shopping credit catalogue.
Extended warranties can cover High end electrical products, Gadgets and Furniture.
Sometimes you can even include accidental damage to the policy.
It’s always worth checking your home insurance protection too, sometimes, your home insurance policy may already protect you from accidental damage for example.
Buying an extended warranty can bring you peace if mind should an item breakdown.
Peace of mind
In the event an item is covered does develops a fault you will be covered for the repair and labour involved.
In the event the item cannot be repaired your item will be replaced on a like for like replacement.
Extended warranties usually offer unlimited call outs, parts, labour and repairs.
Just be sure to check the policy you are buying and ensure you understand what it will cover.
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How to place an order with your CatalogueHow to place an order
When you are ready to open a pay monthly catalogue you will simply need to add items to your basket and then checkout.
If you are already a customer you can choose to Login, otherwise you will need to register as a new customer with the Catalogue company.
You can then select how you wish to pay, either by using a credit or debit card or by choosing to open a Personal Credit account.
Ordering Large items from your Catalogue
Whilst most goods you order from your catalogue will arrive in a day or two, larger items especially furniture and white goods such as Cookers will take longer.
You should also be aware that a Courier will usually need to arrange a time thats suitable for you.
your catalogue company will usually provide the courier company with your mobile number or they will send you an email to offer you some suitable time frames.Pay monthly catalogues with next day delivery
Next day deliveries transformed the ways we shop online. Catalogue companies now offer Next day delivery on a large range of the items they sell.
A small additional premium delivery charge will be applied if you choose next day delivery. Next day delivery is especially useful when you need an items in a hurry. If you use Next day delivery often or plan to use it more, you should check to see if your Catalogue company offer a Next day delivery subscription plan.
Some Pay monthly catalogues now offer an Unlimited Next day delivery service for a fixed annual price,