Catalogues for Bad Credit and CCJs: A Guide for UK Customers

If your credit rating is poor or you have had County Court Judgements (CCJs), it can be hard to obtain credit from traditional lenders. This can make it tough to purchase items like clothing, electronics, or even home and garden equipment. Luckily, there are bad credit catalogues available for people with a low credit score or a poor credit rating in the UK. These catalogues offer a range of products on credit, with payment options such as pay monthly or pay weekly. You can even use a credit or debit card to make payments on these catalogues.

One of the benefits of using a bad credit catalogue is their flexible credit checking criteria. Unlike traditional lenders who may rely heavily on credit scores, home shopping catalogues typically have more lenient requirements. They may consider factors beyond just your credit history, such as your income and employment status. This makes it easier for people with less-than-perfect credit to be approved for credit accounts.

Another advantage of bad credit catalogues is the convenience of online catalogue shopping. You can browse through a wide selection of products from the comfort of your home and place orders online. This is especially useful for those who may have difficulty accessing physical stores or who prefer the ease and convenience of shopping online.

In addition to offering a wide range of products, online catalogues also provide flexible payment options. You can choose to pay for your purchases in monthly instalments or weekly payments, depending on what works best for your budget. Some catalogues even offer interest-free credit options, allowing you to spread the cost of your purchases without having to pay interest.

In conclusion, bad credit catalogues are a great option for people in the UK who have a poor credit rating or a history of CCJs. They offer flexible credit checking criteria, a wide range of products for online catalogue shopping, and convenient payment options. If you’re struggling to obtain credit from traditional lenders, consider using a bad credit catalogue to access the products you need.

If you’re interested in exploring such catalogues, check out In this guide, we will go over what credit catalogues are, how they work, and what to consider when selecting a catalogue, including monthly catalogues.

What Are Credit Catalogues

What Are Credit Catalogues?

Credit catalogues are a popular way to purchase items on credit, offering convenience and flexibility. They function similarly to regular catalogues but often have additional requirements. One common requirement is a credit check, which is used to assess the customer’s creditworthiness and history before approving their credit application. This helps the catalogue company determine whether to approve the customer for credit.

Two common types of credit catalogues are pay monthly catalogues and pay weekly catalogues. Pay weekly catalogues allow customers to spread the cost of their purchases over weekly instalments, offering a more manageable payment schedule. People with a very bad credit rating can also benefit from bad credit catalogues. These catalogues are designed for individuals who may have been rejected by traditional lenders due to their credit history. They offer a way for people to access credit and make purchases, even with a poor credit score.

To open a credit account with a catalogue, customers typically need to have a bank or personal account. This account is used for payments and to manage the credit account. Some credit catalogues offer interest-free credit, allowing customers to spread the cost of their purchases over time without incurring interest charges. However, eligibility for interest-free credit may depend on the customer’s credit rating. Those with a bad credit score may need to apply for bad credit catalogues, which may require them to pay interest on their purchases.

Online shopping has made it easier for people to access credit catalogues. Many catalogues now offer online catalogues, allowing customers to browse and shop for items from the comfort of their own homes. This convenience has made credit catalogues a popular choice for those looking for instant credit and flexible payment options

How Do Credit Catalogues Work?

Credit catalogues, also known as catalogue credit, function by offering customers a predetermined a credit limit. This limit represents the maximum amount a customer can spend on credit with that specific catalogue. The credit limit is determined by the customer’s credit rating, which is assessed through a credit check. Catalogue companies, including many catalogue companies in the UK, determine the credit limit based on the customer’s credit file. This file contains information about the customer’s credit history, including past borrowing and repayment behaviour.

When a customer applies for a credit catalogue, the catalogue company conducts a credit check to assess the customer’s creditworthiness. This check helps the company determine the appropriate credit limit to offer the customer. Catalogue shopping, especially through online retailers on catalogue sites, has become increasingly popular due to its convenience. Customers can browse through a wide range of products and make purchases from the comfort of their homes.

Customers can make purchases from catalogue companies and spread the cost over time through monthly payments. These payments are often interest-free if the balance is cleared within a specified period. However, failing to make payments on time can negatively impact the customer’s credit rating and incur additional charges.

In summary, credit catalogues provide a convenient way for customers to shop online and manage their finances. However, customers need to understand the terms and conditions, including the credit limit, monthly payments, and the impact on their credit file.

Choosing a Catalogue for Bad Credit or CCJs

Once a customer has been approved for credit, they can access the catalogue’s website to start shopping from its extensive collection of products. Most catalogues offer a variety of payment options to suit different needs. These options may include pay monthly, pay weekly, and buy now pay later. Customers can choose the payment frequency that best fits their budget and financial situation.

When customers make a purchase, the catalogue will accept the payment and deduct the total amount from the customer’s available credit. Customers can track their spending and available credit online through the catalogue’s website.

Some catalogues also offer interest-free periods for customers who pay their balance in full within a certain timeframe. This can be a great way for customers to save money on interest charges. However, customers need to be aware of the terms and conditions, including the date by which the full amount must be paid to avoid interest charges.

Overall, credit catalogues provide customers with a convenient way to shop online and manage their finances. By offering different payment options and flexibility, catalogues make it easier for customers to spread the cost of their purchases while staying within their budget.

What to Look for When Choosing a Catalogue for Bad Credit or CCJs

When choosing a catalogue for bad credit or CCJs (County Court Judgements), there are several important factors to consider. Firstly, it’s crucial to find a catalogue company that offers guaranteed acceptance. This means that as long as the customer meets the eligibility criteria, such as being over 18 and a UK resident, they will be approved for credit, regardless of their credit rating or history. It’s also important to consider the interest rates and payment options offered by the catalogue. Some catalogues may charge higher interest rates for customers with poor credit ratings. However, other catalogues offer interest-free periods or lower interest rates for customers who pay their balance in full.

When customers choose items from the catalogue’s website, they can add them to their shopping basket and proceed to checkout. At this point, the catalogue will accept the payment and deduct the total amount from the customer’s available credit. Customers can then choose from different payment options, such as paying the full amount upfront or spreading the cost over time. And can manage their accounts and make repayments online through the catalogue’s website. This provides more flexibility and convenience, as customers can access their accounts and make repayments at any time, from anywhere.

For customers who prefer to pay with cash, some catalogues offer a “buy now, pay later” option. This allows customers to receive their chosen items and then repay the full amount at a later date. However, it’s important to note that this option may incur additional charges or interest.

In summary, when choosing a catalogue for bad credit or CCJs, it’s important to consider factors such as guaranteed acceptance, interest rates, payment options, and flexibility. By carefully evaluating these factors, customers can find a catalogue that meets their needs and helps them manage their finances effectively.

Other factors to consider include the credit limit, minimum payment, and any fees or charges associated with the catalogue. It’s important to read the terms and conditions carefully before applying for credit to avoid any surprises.

Shopping online with catalogues provides customers with access to a huge range of products, including mobile phones, from the fashion world, all at affordable prices. Customers can choose from different credit terms and payment options to find the most manageable payments for their needs. With many catalogues available, customers have the flexibility to select the payment terms and credit types that best suit their budget and lifestyle.


In conclusion, when considering a catalogue for individuals with a bad credit history or CCJs, it’s essential to assess various factors such as guaranteed acceptance, interest rates, credit limits, and payment options. Shopping through credit check catalogues provides a convenient means to access a diverse array of products, including mobile phones, fashion items, gadgets, and more, from the comfort of one’s own home. Customers can explore different brands and categories, creating a seamless and enjoyable shopping experience. With manageable payments and flexible instalment plans, catalogues cater to the diverse needs of shoppers. By carefully reviewing the terms and conditions, applicants can make informed decisions and avoid surprises.

Catalogues offer a convenient way for families to shop for clothes, accessories, electronics, and household items, with the option to pay nothing upfront or spread the cost over time. This flexibility extends to payment methods, allowing customers to pay online and make regular payments towards their catalogue account. Many bad credit catalogues provide great benefits to new customers, offering instant decisions on credit applications and the ability to shop with different retailers. While the company offers a range of products, including the latest fashion and home appliances such as washing machines and fridge freezers, it’s crucial to consider the total cost, including any additional charges or interest rates.

Customers should be aware of the APR (Annual Percentage Rate), which is variable and can be as high as 39.9% APR for some catalogues, leading to a higher interest rate if not managed carefully. When a statement arrives, it’s important to review it promptly to confirm that payments have been made correctly and to avoid any additional charges. Overall, catalogues offer a valuable solution for those with bad credit or CCJs, providing access to essential items and groceries while offering the convenience of online shopping.

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