CataloguesWithCredit.com is a guide to UK catalogues with credit accounts where you can apply for credit online and if accepted use your account to buy now pay later, pay monthly or weekly and spread the cost of shopping online for a wide range of products, from clothing and shoes to toys, furniture, electricals and baby products.
How To Get A Credit Account
To apply for a credit account at any of the credit catalogues listed here, you need to be at least 18 years old and a UK resident. Every catalogue featured on our site will perform a credit check on your personal credit file to ascertain your suitability for credit, and if accepted for an account, what credit limit to offer to you.
Credit Accounts for People With Bad Credit
If you have a bad credit rating or poor credit history you will most likely be declined for a credit account, though certain catalogues and stores such as Studio and Brighthouse are less stringent and you are more likely to be accepted for a credit account by them if you have a bad credit so long as your opening order value is relatively low (£60 to £100).
How To Improve Your Chances of Acceptance for a Credit Account
When you apply for a catalogue credit account a credit check will be made on your personal credit file. You need to ensure your credit file is accurate and uptodate including your name, address and other pertinent details. Any missmatch between the details held on your credit file and those used to apply for a credit account will flag up in the systems and may lead to an instant decline for credit. Check your credit file for free at our sister site, Understanding Credit.
If you have a bad credit rating or history of poor credit management, by keeping your first order low in value at time of applying for a credit account you stand a better chance of acceptance. An example would be to buy an item of clothing or shoes. Most credit catalogues will offer a minimum of £100 credit limit to begin with, and if you can get accepted for that then you can increase your credit limit over time once you have a catalogue account and prove you are able to make payments on time and manage your account well.