Which Catalogues Are Best For People With Bad Credit? Find Out Here!

Our Top Rated Catalogues For Bad Credit

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1.

bright house bad credit catalogue

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TV's, Games Consoles, Music Systems, Washing Machines, Fridges, Laptops and PC's, Mobiles & Much More


Get 2 Weeks Free Payments!

2.

step card bad credit catalogue

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Clothing catalogue for designer brands. Male, Female, Kids & Baby, Plus Size Clothes. Start with a small credit line of £200 or less to build trust and it will be increased over time.

3.

step card bad credit catalogue

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100% Acceptance - No Credit Check Mobile Phone Contracts. Latest Iphones, Samsung Mobiles & Tablets


If you’ve stumbled across this website, then chances are you have a bad credit history which is stopping you getting accepted for a home shopping catalogue. This article will show you how it is still possible to get approved for an online shopping catalogues even if you have a low credit score.

You may have applied with some catalogue stores only to have your application rejected because of a low credit score which is frustrating. Everyone deserves a second chance right?

Kind of makes sense when you think about it. Your credit history is a record of how you managed your finances in the past and your ability to repay finance/credit – so if you’ve been late a number of times on payments, you’ve probably ended up with a reputation as someone who cannot repay their financial commitments.

Sorry. That’s the way it goes. No one is perfect. But catalogue companies want people who do have a perfect credit history. Would you give money to someone who you knew had troubles repaying in the past? Probably not. Same with these catalogue companies.

Is it all doom and gloom?

Nope. You can still access home shopping catalogues even if you have bad credit, and I’ll show you later in this article. But I have to tell you there’s a catch with these places.

OK enough talking already! Show me the catalogues!

Fair enough, you’ve been patient to read up to this point, so lets take a look at the select catalogues companies that can help people with bad credit or no credit history.

Here Is Some More Information On The Best UK Catalogues For People With Bad Credit

bright house catalogue for bad credit

Bright House


You may have seen this company whilst out shopping in town. Bright House have close to 300 high street stores in the UK and are said to be quickly building more in the next few years.

They already have 200,000 customers who are making weekly payments on items such as televisions, washing machines, fridges, sofas, cookers, and beds.

How do I become a customer?

Their website is www.brighthouse.co.uk and you can easily register and shop online. However, you will need to visit your local branch (use their store finder here) to complete the application and provide the following documents:

  • Proof of address
  • Proof of ID
  • Proof of income

No deposit is required and once your application has been approved, they can deliver your shopping to your home free of charge. If you buy bulky items such as a fridge washing machine, they will even install it all for you and take away all the packaging. If you buy a bed, they will assemble it for you too. I wonder if they will make the sheets and plump up the pillows?

Whats it the APR Rate

Bright House run at a typical Representative APR 69.9% Fixed on weekly payments. You can choose Weekly, Fortnightly or Monthly terms and pay by cash or credit/debit card either in-store or by phone.

What can I buy?

You are not limited and you can buy anything that’s available on their website. Bright House have a handy online tool which allows you to pick a product category and then set a budget you can afford to pay weekly. You then get told which products fall into your weekly price range.


laredoute catlogues for clothing with bad credit

La Redoute


La Redoute is one of U.K’s most popular online shopping catalogs offering a variety of men, women, and kid’s clothes and footwear. The company has been around since 1969, working with various fashion designers. Even without money, you can shop today at La Redoute by opening a credit account. And the company allows customers up to three weeks to return products they no longer want to keep.

What is their APR rate?

Like many online shopping catalogs, La Redoute has a whopping 39.9% variable APR rate. While this may make you cringe, the online retailer has a range of payments options that should make things more comfortable for you.

How do I become a customer?

To become a customer, visit the retailer’s official website www.laredoute.co.uk, register, log in and start shopping. To register, you will be required to provide your email address and create a password with which you’ll be logging in to your account. You can then add stuff to your online basket and proceed to complete your order.

What are their payment terms?

As noted, La Redoute allows their customers to spread costs incurred via their personal accounts. Customers can spread their payments weekly or monthly. And since it is a buy-now-pay-later website, as mentioned earlier, you do not need to have money to start shopping. The retailer allows you to open a credit account, shop, and make payments later.

Payment options

Customers can pay their bills in full or in weekly or monthly installments. Payments can be made using credit or debits cards, as well as, via phone.

What can I buy?

LaRedoute stocks a range of items including women, men, and kid’s clothes and footwear, women’s plus size wear, rugs, furniture, bedding and towels, kitchen and dining room stuff, bags, belts, et cetera. Visit their website today and get stuff at affordable prices.

Visit La Redoute Website


mobile phone no credit check bad credit

Sunshine Mobile


Not exactly a catalogue but if you want a mobile phone contract for mobiles such as the latest Samsung Galaxy or iPhone model but your below-than-average credit score is getting in the way? Well, with Sunshine Mobile, you stand a chance to get it no matter how bad your credit history is.

SunshineMobile is a U.K company that offers mobile phone contracts with absolutely no credit history checks. This means that even individuals with the poorest credit score are 100 percent guaranteed to be accepted for a phone contract. Unlike other Networks, Sunshine Mobile looks at a customer’s credit future, not their credit history.

How do I become a customer?

Becoming a Sunshine Mobile customer is simple. Visit their website at www.sunshinemobile.co.uk and create an account. Choose the phone you want from their extensive range of handsets, and proceed to finish your application.

How does the company work?

After choosing your ideal mobile phone, you will be required to join the company’s network for just 12 weeks by selecting one of their amazing starter packages (SIM only or SIM plus Start phone package). After three months of making regular payments and proving that you can be a good customer, Sunshine Mobile will dispatch your new handset directly to you.

What are their payment terms?

Sunshine Mobile has no strict payment terms. In fact, it is one the mobile Networks with the most flexible payment plans. The company recently came up with a new Flexible Payment Plan which allows customers to set the date they would like their contracts to start. The plan also lets them to re-schedule future payments. This way, the customer is in complete control of when to pay. Payments can be made using credit or debit cards.

What mobile phones can I get?

As mentioned earlier, you can get any handset including the latest iPhone and Samsung Galaxy models. Some of the handsets the company offers include;

• Samsung Galaxy Note 8, Galaxy Note 9
• Galaxy S9, Galaxy S8 Plus Galaxy S9 Plus
• iPhone 8 Plus, iPhone 7Plus
• iPhone XR
• P20 Pro, among others.

Visit Sunshine Mobile Website


dialatv catalogue

Dial-a-TV


Dial a TV is a rental firm which since its establishment in 1991, has helped many people, including those with bad credit to acquire electronic products at low prices. The company offers a wide range of household electronic products including televisions, fridge freezers, and vacuum cleaners. They also offer mobile phones, tablets, and game consoles.

Dial a TV allows customers to rent to buy products on affordable monthly or weekly payments. And you don’t have to worry about repair costs in case anything goes wrong since this is included in the price. With over 25 years in the industry, the company has been able to provide several individuals with an affordable alternative way to own home equipment.

What is rent to buy?

Rent to buy is a system which is the same as catalogue finance. You order the goods and pay towards the cost of the total amount. Once it is cleared you own the product. You do not own the product unless the full amount is paid. This is added security for many catalogue companies.

What is their APR rate?

With an APR of 4.5%, Dial a TV offers among the most competitive and affordable prices on rent to buy products in the United Kingdom. This is perhaps the reason the company has seen an increasingly growing customer base over the past few years.

How do I become a customer?

You can become a customer in a simple four-step online application process;

• Visit the company’s website at www.dialatv.co.uk.
• Look for the item you want, add it to your trolley and submit an order form
• The company will call you to confirm your order and complete the application
• Pay your first rental by credit or debit card

What are their payment terms?

The company does not have any complicated payment terms. However, it is important to mention that all the prices quoted on the firm’s website are only for monthly Direct Debit unless stated otherwise. As noted, customers can pay using credit or debit cards. You can also pay by Standing Order weekly.

What can I buy?

The company stocks a variety of electronic products which include;
• Tumble Dryers
• Washing machines
• Televisions
• Fridge freezers
• Vacuum cleaners
• Mobile phones, game consoles, tablets, among other products.

Visit Dial-a-TV Website


pefect home catalogue site helping with credit

Perfect Home


Perfect Home is a highly rated U.K based online catalogue that stocks a range of home equipment, which customers can acquire on credit and pay in monthly or weekly installments through the retailer’s flexible payment options. The company prides itself in offering very low weekly prices and free deliveries on all goods.

The company has a rating of 7.6 out of 10 on TrustPilot.com after 309 reviews, and according to information on their website, up to 86% of customers recommend their products and services.

What is their APR rate?

Perfect Home has a representative 69.8% APR, which is kind of steep. However, according to customer reviews, the products you will get are definitely worth the cost. In a bid to make things more comfortable for customers, the retailer offers flexible payment options that allow the customers to spread the cost incurred.

How do I become a customer?

Visit their official website at www.perfecthome.co.uk and register to become a customer. After registration, you can then proceed to choose the products you want from their broad range of household items. Add them into your basket and continue to complete the application process by clicking on the basket.

What are their payment terms and options?

Customers can pay the full amount outright, but as noted, you have the option to spread the costs over several weeks or months. This way, paying for expensive household items becomes much easier to handle. You will be required to add your debit or credit card information when completing your first order. You can make your payments via phone, debit or credit card.

What can I buy?

Perfect Home offers a variety of household items including sofas, TVs and TV stands, washer and tumble dryers, microwaves, washing machines, fridges, and freezers, electric and gas cookers, dishwashers, tablets, laptops, cameras, gaming stuff, among other items.

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bonprix catalogue

Bon Prix


Founded in 2005, Bonprix.com, an online catalogue, has been bringing women of all sizes and shapes amazing fashion items at very affordable prices. While the online retailer mainly stocks women fashion products, you can also get a variety of men and kids’ items which include footwear and clothes. At present, all new customers receive a 25% discount and free next day delivery on their first order.

What is their APR rate?

Like many similar catalogues available today, Bonprix has a representative 34.9 percent APR rate. This APR is variable and is much lower than what other online retailers have. Besides, you also have multiple payment options to choose from, which gives you control on how you pay for your items.

How do I become a customer?

Becoming a Bon prix customer is simple. Visit www.bonprix.co.uk and open an account. The sign-up page will walk you through all the steps required to set up your account. Once you have set up an account, you can browse items and select what you want to buy. Drop the items on the online basket and click on it to complete your order.

Their payment options and terms

Bon prix allows customers multiple ways to pay for their products. Full payments are made using credit or debit cards at checkout whether the order has been placed via phone or online. However, with a personal account, you have more flexibility. You can pay online, through your phone, via direct debit, through internet banking, or by cheque. Note that the online retailer also allows you to spread costs so you can pay in monthly installments.

What can I buy?

At Bon prix, you can buy women, men, and kids’ fashion products including footwear and clothes. The retailer has a vast collection of clothes including dresses, jackets, shirts, jeans, swimwear, sportswear, and knitwear. They also stock various accessories like belts, wallets, jewellery, watches, scarves, et cetera.


freemans catalogue

Freemans


Freemans.com is one of the most popular one-stop style online store with a vast collection of fashion items for him, her and the kids. The catalogue also offers an extensive collection of home equipment including electric appliances. The company was founded in 1905 and has been working with various brands including Kaleidoscope, Lascana, Swimwear365, and Gifts365 to offer the latest fashion and styles.

Once you open a new personal account, the retailer gives you a 25% discount on your first order.

What is their APR rate?

Freemans has a representative 34.9 percent APR variable, which is much lower than what many other similar catalogues have. To make things even more comfortable for their customers, Freemans offers multiple payment options.

How do I become a customer?

You will need an account with Freemans to make an order. Visit their website at www.freemans.com and sign up. The sign-up page will walk you through all the steps required to create your account. Once your account is set up, you can choose the items you are looking for and drop them into your bag. Click on the bag to complete the order.

What are their payment terms?

Freemans offers customers a buy-now-pay-later option. After opening a personal account, choose items worth at least £100 and add them into your bag. At checkout, select pay using your Personal Account and select Buy Now Pay in 12 Months. This way, you get to spread the cost over 12 months. However, you can still pay the full amount at checkout.

What are the payment options?

You can use a credit or debit card or pay using your mobile phone.

What can I buy?

Freemans stocks women, men, and kids’ fashion items which include clothes, footwear, swimwear, sports, and leisure stuff. You can also get house and garden products, as well as, electric appliances like freezers, TVs, toasters, washers and dryers, et cetera.


kaleidoscope catalogues

Kaleidoscope


Kaleidoscope is an online catalogue with a variety of products at discounted prices. While the online store is mainly known for stocking the latest wonderful fashion items, it also has a wide range of home and garden equipment. In their own words, “it is the detail that makes Kaleidoscope’s fashion so special.” However, the clothes and footwear available on this catalogue are mainly for women.

The retailer is currently offering new customers a 25% discount and free delivery on their first credit order.

What is their APR rate?

Unlike many similar catalogues that have a 39.9% APR rate, Kaleidoscope has a representative 34.9 percent APR variable. The website offers multiple payment options.

How do I become a customer?

Visit www.kaleidoscope.co.uk and open an account. You will only need to enter your email address and create a password. Once this is done, you can then browse products, choose what you want and add them to your bag. Click on the bag to complete your order.

What are their payment terms?

While you can pay the full amount for your items outright, Kaleidoscope allows customers to shop on credit. So even if you don’t have the money right now, you can get items and pay later in monthly installments.

Payment options

Customers can use credit or debit cards to make payments. You can also pay via phone. If you have a problem making payment, contact their call center for help.

What can I buy?

The catalogue offers the latest women’s fashion items including bags and accessories, clothes, swimwear, nightwear, and jewelry. You also get a variety of footwear products shoes, boots, and sandals. Choose from the extensive range of party-wear which includes little black dresses, lace dresses, and tops from various party-wear brands. If you are looking for home and garden stuff, Kaleidoscope has you covered.


curvisa catalogues

Curvisa


If you are looking for plus size women fashion items, then you should check out Curvisa. The catalogue exclusively offers plus size women fashion products. It has a wide selection of more than 3000 high-quality fashion products in sizes 14 to 32. And once you open a new personal account, you are automatically awarded a 30% discount and free delivery on your first order.

What is their APR rate?

The APR rate at Curvisa is set at 34.9%. This is representative variable APR. The APR rate is lower than what other catalogues are offering, which means you are going to save some money shopping on credit at Curvisa.

How do I become a customer?

Their website is www.curvissa.co.uk. Visit the site and register by opening an account. The registration process is simple; enter your email address and create a password. Enter your address and your billing information. Log in to your account and start shopping.

Their payment terms

Curvisa is a buy now pay later website which means that customers can get items on credit. The catalogue allows customers to spread costs incurred over several weeks or months allowing you to easily stretch your budget. You can, however, choose to pay in full at checkout. Payments can be made via debit or credit cards. You can as well pay via your phone.

What can I buy?

As mentioned, Curvisa stocks women’s plus size fashion products only. Among the items, you can buy here include clothes like dresses, jeans, coats and jackets, tops, leggings, and skirts. You can also buy swimwear including cover-ups, Tankinis, swimsuits, mix, and match swimwear, bikinis, and swim-dresses. There is also a range of footwear items such as flats, boots, heels, sandals, trainers, wedges, slippers, etc. Others items include such accessories as scarves, sunglasses, belts, jewelry, umbrellas, hats, gloves, among other items.


Other catalogues for bad credit?

Don’t think that when you’re stuck with home shopping catalogues, life will be like a prison camp and you have no choice but to eat whatever is served on your plate. Well, shopping options can feel like that sometimes when you have a bad credit history. But there are choices out there.

Here’s a short list of online shopping catalogues that offer some pretty good deals. People can think of them as a way to keep your financial commitments without having to compromise your shopping impulses. They can keep your spending behaved whilst allowing some financial freedom so to speak.

Fashion World

Believe it or not, Fashion World has been around for more than a decade. The design of this shopping portal is truly brilliant. There’s no second guessing what it’s all about – fashion, no more no less. But that’s not the only thing great about this catalogue company.

They offer spread payment to extend any customer’s buying power (as expected). Other than the buy now pay later option on all items, they even guarantee next day delivery. If you’re hunting for something clever to wear for any head-turning occasion, then check out the clothing articles they have to offer.

What’s Their APR rate?

Fashion World has a 34.1% APR rate, which may seem pretty steep. Note that it is variable and will be added to your outstanding dues. If you find the rates a bit too much then you can make use of for occasional shopping and basically to repair your credit.

How Do I Become A Customer?

Signing up for an account is rather easy. Their official website is www.fashionworld.co.uk. Fill out the online registration form, which means that you will be required to enter your personal details, your current address or delivery address, and other info.

Creating an account and getting credit in from Fashion World is pretty fluid. You can get everything set up easily. Ordering items as well the return process is equally hassle-free. The company is known for great service so you don’t really have to keep a tight watch on your blood pressure when you buy stuff from them.

What are their payment options?

Fashion World offers its customers with a couple of payment options. You can either pay for the amount in full or you can spread the payments/payments via monthly installments.

What can I buy?

This online catalogue site is primarily known for fashionable clothing. But they also have electrical appliances, gift items, and home essentials on their catalogue of goods.

 

Jacamo

Another online shopping catalogue website that you can try is Jacamo. It’s basically the place to go to for men’s clothes. You might have even seen and heard their ads and TV commercials one time or another. Just like any shopping portal on the Internet, they try to include some small items on the menu other than the main items.

What’s Their APR Rate?

The APR rate of Jacomo is pegged at 39.9%, which will make some people cringe. The company sends customers the bill every 28 days. They have a wide range of payment options to make things a little more comfortable.

How Do I Become a Customer?

To register for an account, head on to www.jacamo.co.uk and fill out their registration forms. No other information is needed and you’ll be credited almost immediately so you can begin shopping.

What Are Their Payment Terms?

Remember that this is also a buy now pay later site. That means you don’t have to pay for everything up front. When the statement arrives after 28 days of your purchase you can pay the minimum amount if you wish or just pay the entire bill in full, whichever you like. Remember that they give you bonuses for good behavior so paying on time does have its perks.

What Can I Buy?

Jacamo is best known for their plus size garments, which is great for guys who are larger in girth or who are taller than average. They even have shoes for guys who leave behind giant footprints.

 

Marisota

We’ve already included a portal for plus size men – well here’s the female counterpart. Marisota caters to women who simply look good in plus size dresses, skirts, trousers, and pretty much everything else under the sun. A charming voluptuous woman deserves the best.

What’s Their APR Rate?

Just like other online catalog sites, the APR rate for Marisota is 39.9%. Note that this is a variable rate. Well, it’s still a pretty steep rate compared to the other catalogues that we’ve seen so far.

How Do I Become a Customer?

Their official website is www.marisota.co. New registrants will be required to enter their address and other personal info. Note that the address you enter should be verifiable via the Post Office files. In case the site can’t recognize/verify your address, you will then have to call customer service.

What Are Their Payment Terms?

Customers are afforded the usual payment options including online, post, phone, and bank. Just like the other catalogue sites that we have seen so far, Marisota also allows customers to spread the cost that they have incurred via the customer’s personal account. You can spread your payments monthly if you wish.

What Can I Buy?

Marisota provides women with pretty much everything they need – many of them in larger sizes as needed. The items they have on sale have been arranged by category. The ladies can shop according to current fashion trends or just go by the items by design.

Premier Man

Premier Man is another option for boys who want to get shirts that will definitely make them strike a pose with the women. It’s also another great place where you can find plus size shirts and still look really brilliant. You can almost feel like you’re ready to take on the next James Bond role.

What’s Their APR Rate?

The APR rate for Premier Man is set at a whopping 39.9% (variable). It shouldn’t be a surprise by now but that figure is somewhat a standard for some of these catalogue sites. Everyone should also know that statement usually arrives every 28 days.

How Do I Become a Customer?

Their official website is www.premierman.com and you can register for an online account right there at the home page. Take note that you can also signup for an account via email, which also has its own perks as well. No other documentary requirements are necessary.

What Are Their Payment Terms?

Customers can pay for the full amount of their purchases when they check out. Of course, why do that if you can get the items on credit, right? Just like any catalogue shopping portal, customers are also given the option to spread the cost over several months. Doing so will make the monthly recurring cost a lot easier to handle. Plus, of course, it will allow you to stretch your budget.

What Can I Buy?

The items on this online catalogue usually contain men’s wear but they have also included some other items of interest. That includes electronics and other home essentials that are must haves for the boys. Take note that some items for women are also included in the list.

Ambrose Wilson

Ambrose Wilson is one of the many catalogue brands from J D Williams & Company Limited. This online catalogue allows customers to steer clear of the high streets and enjoy shopping from home. It’s also a good option for people who are looking for women’s clothing in plus sizes.

What’s their APR rate?

Every customer at Ambrose Wilson will be provided with a variable APR rate of 39.9%. Those who sign up for an account with them will be given a credit range of 100 to 500 pounds.

How do I become a customer?

Signing up with this online catalogue is pretty much standard. You need to go to the main page at www.ambrosewilson.com, click on the “Register” link and that will take you to the new accounts registration page. The instructions on that page will walk you through the steps of account creation, which will require you to enter your personal info and billing information.

How do I pay?

The payment options are pretty flexible. You can pay for the entire amount shown in your statement, which will be mailed to you every 28 days. Your payment slips will also be sent by post. If the bill will be a big burden on your budget then take advantage of the next payment option: you also have the option to spread the payments.

To do that, you can just pay the minimum amount indicated on your billing statement sent by post. Note that the minimum payment amount is usually 1/12th of the original cost of the goods that you bought. That means the entire cost of the goods is spread for an entire year.

What can I buy?

You can buy pretty much everything on the catalogue. However, the best items they have on their list are clothing articles for women.

Fifty Plus

Fifty Plus is yet another great location to get women’s clothing in plus sizes. You don’t believe that a voluptuous woman can look more tempting than she already is? Dress her up with the items on sale here and find out what you’ve been missing all this time.

What’s their APR rate?

The representative variable APR rate is 39.9%. It’s kind of steep, but the items you’ll find here are worth the additional cost. The minimum credit limit that each customer is given is 100 pounds. The maximum credit limit, on the other hand, is 400 pounds.

How do I become a customer?

The steps to register with Fifty Plus are simple. Just point your browser to their main page at www.fiftyplus.co.uk and register for a new account. You will be asked to enter your shipping address and billing information.

How do I pay?

Payments via credit card and debit card are possible. However, if you want to spread the payments over several months you should pay through your personal account. The minimum payment is usually 1/12th of the total cost of the items you ordered. However, if you have established a good payment history, the minimum payment can be reduced to only five pounds.

What can I buy?

Everything you see on the site is available. Most of the items women’s apparel and accessories but they also have items for men and children.

JD Williams

JD Williams is one of the biggest names in UK’s online catalogue industry. They actually operate about 20 catalogues for bad credit on the Internet. Before officially selling items on the Internet, the company operated via the parcel post service. The company has been around since 1875. They boast of having 4,000 employees to serve their growing number of customers.

What’s their APR rate?

The representative APR rate for JD Williams is 39.9%. Note that this is a variable amount and can change according to the company’s terms and conditions.

How do I become a customer?

You need to sign up for an account with JD Williams in order to purchase items on the catalogue. Go to their home page at www.jdwilliams.co.uk and click on the link to their Registration page. You need to enter all the required info on the registration form.

How do I pay?

There are basically two ways to pay for the items you intend to purchase. You can pay in full and you won’t be charged any interest. But since the idea is to do a credit repair and spread the costs then you can pay the minimum amount for 12 months, which will incur interest.

For instance, if you purchased items that cost 98 pounds, you will be required to pay minimum of 5.71 pounds a month for 12 months. Please see their terms and conditions in order to ascertain the actual rates for items you are to purchase.

What can I buy?

It’s no holds barred with this online catalogue. You can purchase anything on their site.

Julipa

Julipa is the online catalogue for a woman’s personal and intimate needs. Every woman’s lifestyle need is readily available from lingerie to her swimwear.

What’s their APR rate?

The APR rate is 39.9%. That is a common figure for many of these online catalogues.

How do I become a customer?

Point your browsers to www.julipa.com in order to sign up for an account. Just fill out the online form and you’re done. The maximum credit limit is 400 pounds.

How do I pay?

You can pay the minimum amount, which is usually a little over 5 pounds. Payments are spread into 12 installments, which make the costs and monthly payments a little lighter.

What can I buy?

Julipa is mainly a catalogue for women’s apparel. They have a pretty good selection of bras, control wear, thermals, and hosiery. They even have a useful bra fitting guide.

They have items from some of the most well-known brands such as Playtex, Shapely Figures, Triumph, Miss Mary of Sweden, and Naturally Close among many others.

Swimwear items include clothing articles that make women look stunning gorgeous on the beach including tankinis. Other than that, they also have a pretty good selection of footwear for women plus a good set of accessories as additional highlights to make the men’s jaws drop.

Simply Be

Whoever said that plus size women and designer brands don’t mix? Well, we have provided great shopping options for the guys so the women also deserve another one. Simply Be has an extensive list of items that allow women to really just be themselves.

This online catalogue is a shopping portal of the direct home shopping enterprise known as J D Williams & Company Limited. It’s one of the most successful trading companies around and has been operating since 1875. The company boasts of having more than two million customers with more than 4,000 employees serving their loyal patrons.

What’s Their APR Rate?

The APR rate set by Simply Be is 39.9% (variable). They offer pretty much the standard 400-pound credit limit, which is a typical figure for many of these online catalogues. Remember that you can taper off the huge burden of the monthly costs by spreading it out, which is perfectly allowed for all credit holders.

How Do I Become a Customer?

If you’re interested in the items on display at Simply Be then you can sign up for an account at www.simplybe.co.uk. The link to their online registration page is right there at the home page. The registration process is pretty straightforward. The online registration requirements basically include the applicant’s personal details, mailing info, and the like.

What Are Their Payment Terms?

Payments can be made via debit card or credit card, by phone, or mail. Monthly payment arrangements can be made. Just remember that customers are expected to make their payments whenever a statement is sent, which usually arrives every 28 days.

What Can I Buy?

Simply Be offers quite an attractive array of designer items in plus sizes for women. Customers can shop by brand or by the designer. In case you want to be in fashion for the season then check out their Style Edit options to keep yourself abreast with the latest in today’s fashion.

High & Mighty

Judging by its name and looking at the overall theme of its online portal, this online catalogue is all about making men look good both for work and for casual occasions. However, after careful perusal of the men’s clothing that they offer, you’ll find that High & Mighty have pretty much every bit of clothing that men need to look like the dashing debonair that they should be.

What’s Their APR Rate?

The representative APR rate for this trading style portal is at 19.9%, which is a little bit lower than many of the rates that can be seen so far. High & Mighty’s annual interest rate is set at 13.84% and the typical credit limit they offer for each member or registrant is 750 pounds.

How Do I Become a Customer?

The official website for High & Mighty is www.highandmighty.co.uk. New registrants will have to go through the usual drill. You will need to enter your personal information as well as your contact info.

What Are Their Payment Terms?

The company will send you a statement every 28 days. The statement will show you what items you have ordered, payments you have made, the outstanding balance, due date, and the minimum payment you need to cover. Of course, the sooner you pay in full, the better will be your credit record.

What Can I Buy?

High & Mighty basically sells men’s wear and men’s accessories. They cover pretty much everything from your underpants to your personal choice of jewelry.

House of Bath

The House of Bath is a good option for people who have improved their credit rating to some degree. If you’re looking for home improvement ideas or just some sort of inspiration for your next home décor project, then this is a good place to look.

However, be advised that items here may be a bit more expensive. But the good news is that they usually offer large discounts. They even make half price offers for many items. This is a pretty good incentive to sign up for a personal account and check out their monthly catalogues.

What’s Their APR Rate?

The site does not mention any APR rate. However, since this online catalogue also belongs to J D Williams & Company Limited, it would be safe to say that they also offer a 19.9% up to 39.9% APR rate (variable) since that’s pretty much the same range they offer for all of their trading and shopping catalogue sites.

How Do I Become a Customer?

Signing up for an account with House of Bath is simple. Just open their main page at www.houseofbath.co.uk and click on Register. You will be required to enter the rudimentary info such as your shipping address, your email address, etc.

What Are Their Payment Terms?

Payment options are usually by credit or debit cards. Customers can use their Maestro, Visa, or Delta to pay for their items. A minimum amount can be paid when you get a statement.

What Can I Buy?

The main items that House of Bath offers are usually furniture and home décor. They have fabulous collections to match the season or the occasion brewing in the air. They may offer electronics and health care products but that is not their cup of tea.

Shoe Tailor

ShoeTailor is the place where people with bad credit can be brave and kill seven in one blow (pun intended there). Seriously, if you have big feet, then this is the place for you. They have your footwear covered with everything else to boot.

What’s Their APR Rate?

This site is another portal provided to customers by J D Williams & Company Limited. With that in mind, you ought to know by now that their APR is generously pegged at a variable 39.9%. It’s kind of steep but it is workable nonetheless.

How Do I Become a Customer?

To become a customer of Shoe Tailor, all you have to do is to visit their homepage at www.shoetailor.com. You’ll find a link to their personal account registration page where you will be required to enter your contact info, billing, shipping, and other pertinent customer information.

What Are Their Payment Terms?

The payment terms are pretty much the same with other online catalogues from the same business. A statement will be sent to you via the post every 28 days. You can then opt to pay the full amount or at least just pay the minimum amount indicated.

What Can I Buy?

Boots are the best buy from this online catalogue. They have designs for men, women, and children as well. The options are extensive but be on the lookout for promotional offers that will save you a good deal of money.


Any other options?

If you have a very bad credit rating, then the catalogues above may be the only home shopping catalogues which will accept you as a customer until you improve it. However, depending on how severe your credit rating is, you may still be accepted by the more popular home shopping brands such as Littlewoods and Very.

These companies tend to have their own credit checking criteria and this simply means that if you are declined by one company, it doesn’t mean you won’t be accepted by another. Everyone’s personal circumstances are different, and ultimately it will depend on your individual credit rating whether you are approved or not.

My advice would be to try and get accepted for finance with the ‘normal’ home shopping catalogue companies first. Should you keep getting declined, then your only option is to apply with catalogues specifically for bad credit, who although may charge a little higher than most, you will be virtually guaranteed for acceptance.

No Credit Check Catalogues – Do They Exist?

If you have been labeled as a bad credit customer, no credit check catalogues may seem like a great way to get finance, but unfortunately, they do not really exist as all catalogue companies will require you to pass a credit check of some sort before approving your account. This is done to prevent fraud and to make sure you can make repayments on time.

Bad credit can occur due to various reasons and some of which are beyond our control. This does not mean that as a customer one cannot buy on credit again. Even if you are suffering from bad credit, it is still possible for you to get a catalogue account, especially by looking through out list of catalogues for bad credit that we have provided.

Do Catalogues Offer Instant Approval & Credit?

Most catalogues will give you an instant answer so yes, in a sense. However, let’s look at the basics first. As an applicant, one must be aged eighteen years and above. This is to ensure that the company which is offering this facility only deals with adult as defined by the law.

These are people who can be answerable in a court of law in case of any issues that may arise in the course of the contract period. This also means that the person who is entering this contract has the capacity to understand what he or she is committing to.

Apart from the requirement of age, the applicant has to show that he or she has a registered address and a verifiable income.

This is to satisfy the issuing company that the applicant is capable of providing the finance. Companies do this to verify your previous relationship with credit and finance. A bank account is also usually required for somebody to qualify for credit catalogues. Most lesser strict catalogue companys will generall offer instant credit and instant approval on these standard factors.

Buy Now Pay Later

Once you have been approved for a catalogue you wont have to pay upfront fees as it is on a finance based term. It is advisable to honour your pledges as stipulated on the buy now pay later basis. It is worth remembering that this is a special facility that was accorded to you despite the fact that you have been badly listed elsewhere.

This facility is issued by companies which understand that not everyone gets bad crediting deserves it, there are people who are in such a situation due to reasons which are not of their making or they were in a position which could not enable them to complete their loans and banks did not understand.

It is advisable that the customer makes the company which has provided the credit-happy!. This can only be done through prompt payment of what is owed. Through regular and payments the customer will avoid penalties. It will place the customer in the good books with the company and at the same time help repair your credit rating as the company will usually report back to credit agencies such as Experian whether you are late making payments or whether you are on time.

Although no credit check catalogues are unavailable in the market, all that one has to do is to choose the best catalogues for bad credit and you start enjoying shopping from home.

After getting the best, the you should ensure that they play your part to enhance your credit rating.

Just Remember You’re Going To Have To Pay For It

When I mean pay for it, I don’t mean whipping out your credit card and entering in the card number and expiry date. I mean that you’re going to have to pay more for your chosen items compared to someone with a healthy credit rating.

Whilst there are companies that provide catalogues for bad credit, they are not charities. They are in the business to make money and by taking you on as a potentially risky customer, they command higher prices for the privilege. They know you have limited options and can afford to hike up their prices knowing that you cannot access other services. But don’t worry, the companies I have listed below are not that bad but understand you will have to pay a little more to use them.

For Related Articles To Catalogues & Bad Credit See Below

Bad Credit 101 – Recovering From Bad Credit

Catalogue Credit & Store Accounts

How To Improve Your Credit Score – Money Advice Services