Saturday, 19 December 2015

Top 3 Tips When Buying Through Catalogues That You Need To Know!

Are you thinking about opening a new credit account with a UK catalogue? Before you go any further, there are a few things you need to know. Here are the top 3 tips when buying through catalogues and what you can do to save money on your purchases. 

 1. Find the best interest rates When you open a new credit account with a UK catalogue company, you can spread the cost of your order and pay for your purchase in affordable instalments; however, you will be charged interest on the balance. The amount of interest you pay will vary depending on the retailer so it's a good idea to shop around and find the best deals. A comparison website will enable you to compare different interest rates in one place, saving you time. Some retailers won't charge you any interest if you settle your balance within a certain time frame (for example, if you pay for your order within 28 days). Always read the terms and conditions and find out the interest rate - as well as any penalties for late payment - before you place your order.

Top 3 Tips When Buying Through Catalogues That You Need To Know!

 2. Find the best catalogue for you There is a wide range of catalogues to choose from, some of which specialise in particular products like clothing or electronics. Choose a catalogue that best suits you by looking at their products online or finding out more about the retailer. Companies like Jacamo specialise in clothing that you won't always find on the UK high street - including clothes in sizes up to 5x large. 

 3. Decide how you want to repay There are a number of different ways you can make repayments when you place an order with a catalogue company, including pay monthly, pay weekly, and buy now, pay later. Catalogues like Very and Simply Be provide a wide range of repayment options, including pay monthly - where you pay for your order over a period of time by making payments every month. Dial a TV is an example of a pay weekly catalogue, which might suit you better if you get your wages paid on a weekly basis.

Those are some tips.  Do you have any tips to share? Do you use a catalogue to purchase anything?

**Collaboration

23 comments:

  1. I occasionally buy from catalogues but always pay the full amount straight away as I fear if I space the payments I might not have funds later.

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  2. I haven't bought from a catalogue in years, but I think I would choose to pay now so that I have control over my budget x

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  3. Useful tips. I don't normally buy through catalogues - occasionally I've opened a credit account for online but I prefer to pay it all off in one go if I can.

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  4. I rarely buy from catalogues but like everyone else I prefer to pay it off in full. It's the same with Ebay. When I win I pay instantly. I don't understand people that wait a few days to pay.

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  5. I never used catalogues as they can get you into debt x
    http://mariesbeauties.co.k

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  6. I have never used a catalogue, though the deals are enticing when you see that you can get things for only £1 a week for example. I'd rather not use them and save up instead!

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  7. These are some great tips - I have to admit I always seem to use the spread the cost over 3 months, when I buy something. x

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  8. I always prefer to pay upfront. I know it'll be a slippery slope for me if I tell myself I'll pay it back later! Great tips :)

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  9. Catalogues and accounts are a handy way to buy those bigger items you might not be able to afford in one go, provided you're disciplined enough to pay the instalments off. Definitely important to check those interest rates though, to make sure they're reasonable! x

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  10. I have 3 catalogues as I like them for when they have deals on. Sometimes they're just so great. I never spend more than I can afford though and pay it off as soon as I can x

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  11. I've never used a catalog with card to make an order, I don't like credits so if we have no money we simply don't buy new things.

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  12. I always pay the catalogues before I get charged interest. It is important to shop around, there are three catalogues that sell the exact sane priducts (catalogue photo/model exactly the same) but all three have different prices x

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  13. I haven't ordered from a catalogue for a while, but I'll definitely bear your tips in mind for future reference :)

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  14. Great tips I've never orderd from a catalogue before but my Mum does. I think it's definitely important when deciding how u will pay.

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  15. I used to love catalogues, but I have been bitten in the butt far too many times. I know that lots of people get on with them, but it's very easy to get out of control if you are that way inclined. Great advice though x

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  16. I haven't bought from a catalog in years, web shopping :)

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  17. I haven't ordered anything from the catalogs in years x

    Laura
    Pink Frenzy

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  18. Man it has been a long time since I brought stuff from a catalogue but great tips all the same. I usually buy instore or online.

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  19. These are great tips! I used to shop from catalogs quite a lot but I don't any more. I used to like being able to spread the cost but now I like to pay things up front.

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  20. Great tips - I use catalogues on occasion - you have to be strict with yourself! Kaz x

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  21. I got really cross with my catalogue company last week - they were demanding a minimum payment of £4 on my £0 balance - how rude!!

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  22. Great tips. I have never bought from a catalog, I do have a credit card that is mainly for online shopping but I pay all at once

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  23. I used to shop from catalogues but I haven't for years. These are some really great tips X

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