Five Smart Tips To Shop On Bad Credit Through Online Catalogues

A low credit score is undoubtedly a cause for concern. Many people fret over their low credit scores because it could potentially impact several areas of their lives. Your credit score’s most significant impact is the timeliness of your credit card payments and the amount of debt you’re carrying. Mess up, your credit score will plummet, and you’ll suffer some adverse side effects. 

Because so many employers are judging you based on your credit score, a low credit score will make various aspects of your life incredibly challenging, from getting a job to finding a place to live. A credit score is a huge determinant of your financial position. Keeping it in check can generally grant you more stability.

With more than one in four Brits using up more than 50 percent of their credit, having a low credit score is the kind of trouble many people often find themselves in the middle of. Luckily, there are many easy ways you can gradually improve your credit score, and online catalogues is one of them. 

Fixing your bad credit rating through online catalogues is a technique not many people are aware of. Not only do bad credit catalogues allow you to shop for products on credit, but they also help you improve your credit scores.

So, here are a few tips that can help you execute this:

Sign up with an online catalogue

The signup process for catalogues with bad credit is quite easy. All you need to do is fill in a straightforward form, and you’ll get feedback on your credit position quickly. The majority of credit catalogues assure 100 percent approval, so you can get accepted immediately and begin shopping for any products.

However, do remember that you might be limited to the number of products you’re able to purchase. For instance, you might have to stay within a certain amount, such as £500 that you have to follow. Once you start making regular payments, this limit will gradually increase.

Select a payment method you’re comfortable with

You can explore a range of payment options with credit catalogues. You do not have to pay any upfront costs or pay any full fees before taking the products. Shoppers can choose a buy-and-pay option that will allow them to receive products and pay for them later. 

Many people prefer to spread their costs over a few months so that they can break the payments into monthly instalments. Through monthly instalments, making payments becomes more straightforward because the expense is divided into smaller, more affordable instalments every month. 

Additionally, spreading costs over several months makes it easier for consumers to purchase costly products they wouldn’t have been able to afford otherwise simply because they can manage the smaller payments.

It’s vital to select a payment option that you can manage. Just like bank loans, missing payments with credit catalogues will impact your credit score. Hence, choose a payment option that can help you stay on track.

Variety of products to choose from

Contrary to what many people think, bad credit catalogues actually have an extensive product range. You can find almost everything you’d traditionally find in an online or a brick and mortar store. With a variety of product options in clothing, footwear, leisure items, home decor, and swimwear, you can practically get anything you want. 

However, it’s important to note that bad credit catalogues also differ based on their product options. While some catalogues cater consumers looking for any kind of product, others only stock specific items.

Avail different incentives

Many credit catalogues are available online, and there is a wide range of options for consumers to choose from. Because of this intense competition, catalogue companies offer various incentives to their customers, such as coupon codes, discounts, and free deliveries. 

Taking advantage of such incentives can get you a better deal and save you a significant amount of money. Just remember that most catalogues offer incentives of one kind or the other. So, it’s crucial to compare the different options you have to determine which offer is the best for you.

Take advantage of interest-free periods

Many bad credit catalogues offer consumers an interest-free period on every product purchased. This period could typically be as short as three months or as long as twelve months. During this period, you’re not charged any interest on the weekly or monthly instalments.

This is why you can successfully pay off your debt before the interest-free period is over. It means you can easily match the price you would’ve paid when you purchased something the usual way. 

Once this period is over and you still haven’t paid off the debt, then you’ll be charged interest on the monthly or weekly payments. You can use this strategically by purchasing expensive items that have more extended grace periods since then you can easily spread the cost. It’s not advisable to use this option when grace periods for costly items are shorter, since the payments will be higher, making them more challenging to pay off.


Bad credit catalogues are an excellent way for people to explore not only different shopping opportunities but also fix their credit scores in the process. The key to ensuring you’re getting the most out of this is to be regular with your payments and not miss any deadlines. By adhering to the timetable set, you’ll be able to fix your credit and get back on track in no time.