Perhaps you are familiar with that dull moment: You’ve been looking for hours through the pages of a catalogue searching for the ideal dress, and now that you finally completed your shopping list, the shop asks you for a credit check. After reading this article, this will not happen to you again in the future. It will tell you everything about how to use a catalogue such as one at http://creditcatalogueguide.co.uk/ to shop without a credit check.
Shopping on a tight budget
Some of you might have a tight budget or a variable income. This makes it difficult to find the correct amount of money for the family’s special occasion presents, essential purchases or any other goods. There are a lot of catalogues who enable you to treat yourself and your loved ones to something special, or just the necessities, by offering you to buy without a credit check. You will pay the cost of the purchases over several weeks or months.
For various reasons, you may have bad or poor credit. This means that your financial history is not very ideal. A bad credit is usually a result of outstanding depts or missed payments. It can also be caused by simply never having borrowed any money. The good news is that poor credit does not necessarily mean that you will not be able to shop via a catalogue. Nowadays, many retailers prefer this because it allows them to make more money. The bad news is that you end up paying more, since retailers charge higher interest rates so that they can counter the increased risk having you as a client.
Looking for a catalogue with no credit check
Perhaps you find yourself looking for a catalogue without a credit check at http://creditcatalogueguide.co.uk/. It may sound very appealing to be able to buy again, but be aware of the high interest rate as we have told you about. Most catalogues still ask for a recent history and will probably ask you for a recent bank statement. In this way, they can figure out how much of a ‘risk’ you are. So, always compare various catalogues and their interest rates before you start shopping!
Ways of charging
Nowadays you will find dozens of catalogues with a finance option. When you use a catalogue to shop without a credit check, there are various ways that catalogues will charge you. These variations exist because retailers want to provide the best service for the perfect customer they provide to. Ask yourself what is important to yo when you shop without a credit check. Would you like to buy now and pay later without any interest for a couple of months? Or would you prefer to spread the cost paying weekly? Be aware that many catalogues charge you interest from day one when you can spread the cost paying weekly.
Using a catalogue without a credit check
Overall it is just very simple: Go online, check out your favourite catalogues, and before you start to shop, check the payment plan of the catalogue. Make sure that it states that there is no credit check. Also, check the interest rates and payment plans that they offer. Does it sound good to you? Go ahead and let the shopping begin!