Catalogues For People With Bad Credit

Home shopping catalogues for people with bad credit are few and far between. Many of the big name catalogues will turn you down for a credit account with them if you have a less than perfect credit rating.

There are a small number of catalogues for people with bad credit though. Although they do not actively advertise the fact that they accept people with bad credit they do have a higher acceptance rate.

If you have been looking for catalogues with no credit check then you will have a hard time finding one as all home shopping catalogues do carry out a credit check.

What makes the difference is that some ‘buy now pay later catalogues’ will accept you if you have a low credit score while other catalogues will only accept you if you have a high credit score (a good credit history).

So stop searching for ‘catalogues with no credit checks’ as you’re just wasting your time. You will have to go through some form of credit check when applying for a home shopping catalogue it’s just a case of know which knowing which on is more likely to  accept you if you have a bad credit rating.

The 24 Studio UK Home Shopping Catalogue

When it comes to home shopping catalogues for people with bad credit then then best one to apply to is the “24StudioUK” home shopping catalogue.


The Studio home shopping catalogue does accept people with a less than perfect credit rating and you will start off with a low credit limit of approximately £100 – £150.

I know from personal experience that if you make the minimum payment on your account each month your credit limit is increased by £50 each time. So, if you maintain your account by making the minimum payment each month, after just 6 months you will have a credit limit of at least £400.

Each month, as long as you make the minimum payment on time you will see your credit limit rise by £50. Now, if you think about this and use it carefully without running up our credit limit to its max, after you had the account for 12 months your credit limit will be at least £700.

This is a very handy thing to have at Christmas time and as the 24StudioUK home shopping catalogue stocks items that make ideal Christmas presents then it will make your life much easier when Christmas time arrives.

What Are Catalogues For Bad Credit Rating ?

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Catalogues For Bad Credit Rating are for anyone who have a less than perfect credit rating due to financial problems in the past.

Home shopping catalogues enable you to buy products and products and then pay for them on a monthly basis. This means that you can purchase the items you need today and pay money for them over a number of months in installments. This is what’s called creating a credit account and due to this almost all home shopping catalogue companies will certainly perform a credit assessment. This does not mean yo are going to be declined should you have a bad credit history.

If you have a low credit rating it is possible to approved for an account however your borrowing limit may at first be set to a lower amount. When you demonstrate that you can actually make the repayments on your account then the home shopping company will certainly raise your current credit limit as time passes. This actually also assists with boosting your credit score and credit rating on the whole.

Catalogues For Bad Credit Rating – Apply For An Account

When it comes to home shopping catalogues for people with bad credit then then best one to apply to is the “24StudioUK” home shopping catalogue.

The 24 Studio UK Home Shopping Catalogue

The Studio home shopping catalogue will accept you for a credit account if you have less than perfect credit rating. They will usually start you off with a low credit limit of approximately £150.

From personal experience I know that if you make the minimum payment on your account each month your credit limit will be increased by £50 each time. So, if you maintain your account by making the minimum payment each month, after just 6 months you will have a credit limit of at least £400.

Make sure that you use your account carefully without running up your credit limit to its limit, after you’ve had the 24 Studio Home Shopping account for 12 months your credit limit will be at least £700.

This is a very handy thing to have at Christmas time and as the 24StudioUK home shopping catalogue stocks items that make ideal Christmas presents then it will make your life much easier when Christmas time arrives.

Defaults are issued by a creditor to whom you owe money to and have missed a certain number of payments under your credit agreement. A default isn’t actually that easy to get and can easily be avoided. A creditor doesn’t really want to issue them and would much rather keep you as a customer. However, sometimes, a credit is not left with any other choice.

The steps to getting a default is by missing payments under any form of credit agreement. The number of payments that you have to miss before you getting a default issued against you is not set in stone. Theoretically, the first time that you miss a payment you have defaulted of that credit agreement but all creditors know that everyone misses a payment every now and again. Even if you miss two or three payments is it unusual for a creditor to issue a default against you.

However, if you ignore the creditor when they contact you by letter or by phone and continue to miss payments then you can expect them to issue you with a default notice. Once the notice has been issued it is then recorded on your credit file which will then be seen by your other creditors as well as any other company who searches your credit file.

Defaults are VERY serious and will remain on your credit file for six years. Even if you repay the full amount owed to the creditor it will remain on your credit file for the full six years. It is for this reason that a default should be avoided at all costs.

Having defaults on your credit file has a very negative impact on your credit rating and you’ll find it much more difficult to obtain finance, loans, credit cards, mobile phone contracts etc. But you can avoid getting to this stage simply by speaking with your creditor at the earliest stages when you find yourself struggling to keep up with the repayments on your credit agreement. Your creditor wants to work with you and will help you if you talk to them. They would rather have you as a customer than a bad debtor.

If you already have defaults on your credit file then one of the most positive steps that you can take is to add good credit to your credit file. This is as simple as making sure you keep up with all of your other financial commitments and repayments on time each month.

It is still possible for you to get accepted for a credit card or loans when you do have bad credit as well. There are credit cards for bad credit and loans for bad credit too. These products are much easier to get accepted for as they are specifically designed for people who have bad credit.

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A CCJ (County Court Judgement) is issued by a County Court in the UK when a creditor sues a debtor for money that is owed to them, usually under a credit agreement.

What this means in plain English is that if you do not keep up with repayments on any form of credit agreement, this includes loans (secured and unsecured), Hire Purchase Agreements, Credit Card Agreements, Mobile Phone Contracts, the last step that a creditor will take against you is suing you for the full amount owed.

A CCJ is the very last stage in a long process of events that a creditor can take to recover monies owed by you. However, because it is a last option it is usually the most serious action.

If you have a CCJ registered against you on your credit file it will become VERY difficult for you to obtain credit and finance in the future. Because of this it is in YOUR best interest to make sure that you avoid a CCJ being issued against you. However, CCJ’s are very common and there are many people in the UK who have a CCJ registered against them.


Once you have a CCJ your options of obtaining credit and finance become limited. For example, if you wanted to apply for a credit card and you have a CCJ on your credit file then you would need to look at credit cards for bad credit. It is similar if you were looking for loans for bad credit as well. There are options available to you if you do have CCJ’s on your credit file but it is best to avoid them at all costs.