Why would I use a Credit Catalogue?

Many online catalogues here in the UK give the customer the opportunity to sign up for a credit account and pay for products later. This option has been of great benefit to a lot of shoppers, and accounts have been opened in the millions. One of the biggest arguments laid out against these types of payments is that since there is an interest added, the shopper ends up paying more than they would have had they used cash. While this is true, it ignores the obvious benefits that come with credit catalogue.


Here is why you should consider using these catalogues:

You get to spread the payments
Credit catalogues basically allow you to divide your payments over a particular period of time. There is no cut and dry duration for these payments because each catalogue has its own mode of operation. However, there seems to be a general consensus that the client can decide to pay without having to be subjected to rigid deadlines. This allows the customer to plan around the debt and ensures flexibility. Cash payments are rather rigid because when you buy something, you have to pay for it there and then, and this does not always work for many people.

Access to a wide range of products
Credit catalogues give some priority to credit account holders. If you are looking for a wide range of commodities, then these catalogues are a better option compared to brick and mortar and non-credit online catalogues. By shopping with these outlets, you get to save plenty of time as there is no looking around too much. Street stores have the disadvantage of lacking in depth, which takes up your time because you have to keep looking till you land on the right item. Shoppers are always in a hurry, and the slightest of delays can lead to mass desertions.

You get to buy at any time
Since we are talking credit here, you don’t need to wait until the end of the month in order to gran that mink coat you have been pining for. The implication here is that you can shop at any time you want, regardless of your financial position. It places you in a unique position to afford some discounts on products even if you have to buy in the middle of the month.
Opening a credit account with online catalogues is quite easy. All you have to do is key in a few details and you are ready to go.