Saturday, 28 February 2015

Do you 'Catalogue'?

Online credit catalogues allow you to spread cost of goods on either a weekly or monthly basis. Each month, you receive a “statement of account” from the catalogue company which includes all of your expenditure and information about your monthly repayment and credit limit.

If you manage these monthly repayments in time, your credit limit may be increased; hence allowing you to increase your expenditure. By paying back what you owe on time then you're credit score is likely to increase!
In this article, we shall exclusively look at the two of the best online credit catalogues in terms of their credit options and product range. One of the first things to note is that both of these stores provide an almost-instant online decision as to whether you've been approved for a credit account.
http://www.easiestcreditcard.net/wp-content/gallery/credit-card-shopping/online-teen-shopping.jpg
Argos:
As many of you will already know, Argos have a huge range of products to choose from, making them an ideal place to shop for anything you need. With the Argos Card, you can purchase now and pay later over a 6-12 month period dependent upon the price of the product.
It’s simple! You only need to choose the products that you want or like at the checkout. Select the “Buy Now Pay Later” option and fill in your details.
If successful, you will receive an Argos Card in the post in a few days, however, you don't have to wait until it arrives to start buying on credit.
The application process is quite straightforward, and the most interesting thing is that it can be approved online, and your items delivered right to your doorstep! You can use it in-store or online. 
Littlewoods:
The Littlewoods catalogue has a broad range of seasonal fashion, from popular and respected brands such as Adidas, Converse, Firetrap, Nike, Henley’s, Everlast Voi jeans and many more.
It also includes a significant choice of home essentials including gadgets, home appliances and furniture.
Just like Argos, Littlewoods is one of a large selection of catalogues in the UK that offer credit however, they offer interest free credit periods and respectable interest rates making them the starting point for buying on finance.
It is worth pointing out here that both of these retailers do have strict credit checks so those with no credit history may find themselves getting refused. In this case, there are other credit catalogues you can choose from that are more lenient. Creditcatalogues.org.uk provide a comprehensive list of the top UK catalogues. Remember though, before you apply for a credit account, double check the terms and conditions to ensure you fully understand how much interest you might have to pay.

**SP

 

16 comments:

  1. I didn't know that either of these stores offered a credit function like this. As long as you don't go mad, I'm sure these are great schemes, particularly if your problem is simply cash flow. These are both massive brands and with that comes a high degree of trust - much preferable to using loan sharks. I always use my Mastercard to buy stuff as I earn cash back points every time I shop. I do always pay my balance off the following month, though, to avoid being stung for interest. Tx

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  2. I had no idea that this even existed. great info thanks

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  3. I do order from Very.co.uk but always pay it straight off away. After working in banking for 7 years, I know how detrimental credit schemes can be! xxx

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  4. I used to have Very and Littlewoods accounts, but they increased my limit so high that it was a constant temptation not to spend from them and I ended up paying them off and closing them. They're great for anyone with a bit of willpower though, I got my Macbook and DSLR from them which I'd have never been able to get otherwise x

    www.beautiful-solutions.co.uk

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  5. I used to have accounts for many places but it got out of hand.
    Now I make sure I've paid off the last bill before I order more

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  6. I had no idea Argos or Littlewoods offered these services - I think I have never looked into it as I am so used to paying for everything straight away online. I am not sure if I would use the service myself though purely because I have heard so many horror stories!

    Sophia Meola | A Fashion, Beauty & Lifestyle Blog

    xx

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  7. I hear first time about these places and this kind of service. Shopping is made even more comfortable :D

    Laura
    Pink Frenzy

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  8. I'm not a fan of the idea of these, it's like store cards - I'd rather save up for something I want than owe for it. I can see they might be useful for emergency purchases, though :)

    Jess xo
    http://just-jesss.blogspot.co.uk

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  9. I don't think Littlewoods have strict credit checks at all. I opened my account when I was 18 and before I knew it it had a £4,000 credit limit. From personal experience I think these are a bad idea unless you 100% trust yourself and will pay it off before any interest free periods end. I got myself into a lot of trouble with catalogues and now I don't buy anything unless I have the cash. X

    Www.beautybundleblog.co.uk

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  10. I have from Very but the interest is very high so paid it back straight after.

    Sophie
    xx
    www.pocockins.co.uk

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  11. I very rarely use catalogues as I just look online for the best deal when I want something. I had no idea Argos or Littlewoods offered these services xxx

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  12. Like a few others, this was news to me....

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  13. I didn't know either retailer offers credit! But to be honest I'd much rather pay for things up front because then I know I've paid for it and don't need to worry about future payments!

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  14. I really don't buy catalouges but ths seems like a good idea

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  15. I'm not a fan of these because they make it really easy for people to run up a debt which often takes much longer than they planned to pay off. I think you need to make sure you're really sensible if you decide to do this x x

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  16. I don't do credit these day - easy way to get you into trouble!

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