Easy Acceptance Credit Catalogues

One question you may have as a bad credit shopper is: how easy is it to get accepted for a catalogue credit account? You would be surprised how easy it is with quite a few, top online catalogues today.

In fact, there are dozens (including sites like catalogues247.co.uk) which will point you in the right direction when applying for financing to shop on credit. With this being said, you will have to deal with certain things if you are a bad credit consumer, so keep this in mind.

Many catalogues today will run a credit check. They will require you to be 18 or older, have a steady job, income you can prove and the ability to make your minimum payment on the purchase. With this in mind, if you have bad credit you might not get accepted and if you do they may limit the amount they will offer you in terms of financing.

Further, most of these catalogues aren't going to offer zero interest offers unless you are a customer with above average credit. Remember, a person with poor credit runs a greater risk to these companies that they will default on the payment, so they are wearier to offer you additional benefits when extending lines of credit (at least initially).

The interest rates are also usually higher, but this may go down over time. It isn't extremely difficult to get credit for catalogue shopping, but you will have to understand higher payments are in store in general, as are lower lending limits. But, with on-time repayments you can build your score over time.

Further, as long as payments are made early or on time, you pay more than the minimum due, and don't default, more and more lenders are likely to work with you and extend financing in the future, if you are the type of shopper who loves catalogue purchasing.


There are some catalogues which are more lenient and have higher acceptance rates than others. This means they are aiming their finance at customers who have bad credit and thus charge higher interest rates to account for the greater risk.

This doesn't mean there is a guarantee you'll get accepted for finance, it just means there are some which are easier to get accepted with when compared against others.

Top Tips

If you've already been rejected for credit it's normally best to wait awhile before you re-apply elsewhere.

Always compare different catalogues and stores to find the best prices.

Always read the terms and conditions in full and understand exactly how much you'll have to pay back.

Useful Info

If you're after some more information, here are a few resources we recommend.