Everyday you need to make purchases – food, clothes, electronics, and more. Sometimes an item is a necessity but you feel like you can’t buy it because you don’t have the cash and you have bad credit. In many stores, you have to pay the full price upon purchase or you have to have good credit. This can be very frustrating, but there are other options. In order to buy the things you want, you need to find a no credit check catalogue or a bad credit catalogue. Unfortunately very few catalogues will approve you for credit without checking to see if you have good credit. At the same time, many catalogues will accept all different levels of credit, so it is very likely that you will be approved even if you have bad credit.
Bad credit catalogues will accept your credit and your payment plan and schedule will be created depending on how good or bad your credit is. The higher your credit rating, the lower your monthly payments. If you have bad credit you will have to pay higher monthly payments, but you will still be able to spread out the cost of the items you want over time, instead of paying for them now. Catalogues like Very, Jacamo, Littlewoods all offer buy now, pay later plans even for people with bad credit. These catalogues will use your credit rating to create a payment plan that is possible for you to pay off over time.
Shopping on credit from catalogues is an ideal solution for anyone who has been refused finance elsewhere as their acceptance rates tend to be much higher. When looking for networks that do no credit check mobiles you will most likely find that there aren’t any. Your best option if you have bad credit is not to try and get finance without a credit check but instead to improve your credit score.
There are ways you can improve your chances of getting your credit accepted by one of these catalogues. You should pay a small deposit on whatever item you are purchasing. This shows that you really want the item and are invested in paying it back, since you already put down some money for the item. Once you are approved for credit and make a purchase, you should pay all of your payments on time. If you default on your payments, then you will have to pay extra late fees and you will make your bad credit even worse. By paying off your purchases on time, you can improve your credit for the future.
Bad credit catalogues therefore offer a whole range of benefits. They allow you to buy the things you want or need now even if you don’t have the money and you have bad credit. They also give you an opportunity to improve your credit rating through making purchases and paying for them in a timely manner.
While most catalogues will require a credit check, bad credit catalogues won’t turn you away because you don’t have good credit. Instead they will work with you to create a payment plan that actually helps you make a better financial future for yourself. Being strapped for cash or having bad credit doesn’t mean you can’t have the items you want. Don’t wait to get that laptop or television you’ve been eyeing in a store. Check out catalogues like Littlewoods and Jacamo and start buying the things you want and enjoying them now instead of later.