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 may accept you but your payment plan and schedule will be created depending on how good or bad your credit is. The higher your credit rating, the better chance you have in most cases. If you have a very bad credit rating you’re unlikely to get accepted no matter who you apply with. Catalogues like Very, Jacamo, Littlewoods all offer buy now, pay later plans and people with bad credit might still get accepted. Credit provided is subject to you passing their credit and affordability checks.
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. Please note though, if you don’t make timely payments you will be making your credit rating even worse!
While most catalogues will require a credit check, bad credit catalogues won’t simply turn you away because you don’t have good credit. You still have a chance but you must pass the credit and affordability checks which vary slightly across different retailers.