It's hard to shop if you have your hands tied at home or if you don't have a car to take you where you want to go -especially if the new furniture you have been waiting for or that new piece of technological hardware just came out. In this situation, people choose to shop through catalogues and sometimes opt to pay weekly instead. It looks easy, but let's say that your credit score is far from stellar and you want to apply for their catalogue credit cards. Would you still want to buy the things that you want? If so, what would you do then?
Will catalogue shopping drive you deeper into debt and ruin your financial status altogether? Not necessarily. It is useful and convenient, but you have to be responsible over the things you want to spend your money on. Do you really want to buy a vase online when you can find the exact same design on a vase displayed at a garage sale next door? Probably not, so smart shopping is a must here. But if you are in a substantial amount of debt and really need to buy that brand new couch for your living room, it's pretty easy to find catalogues with no credit checks online. No employment verification is needed, and it's not all that hard to garner approval from these sites.
This method is beneficial to both the store and the buyer. The store can attract more customers by offering instalments while the buyer can take advantage of easy payment schemes. Buyers find this easier to manage and the family budget is not strained since the purchase amount has been divided and spread over a reasonable period of time. Depending on the kind of item you buy and the purchase amount, paying period can last from 6 months to as long as 3 years.
For people who have a bad credit history and are interested in buying goods online should consider a weekly payment catalogues
, or subsequently they can take out a logbook loan with the assurance that their credit history will not be scrutinized.