Christmas is just around the corner and chances are, you already have drafted your Christmas gift list, and the only thing that you are waiting for is the holiday bonus to get started on shopping. For people who unfortunately are in a bit of a bind with money issues, the thought of the holidays approaching will bring more stress than excitement. Fortunately, there are ways to get around with it.
If like most people, you are having problems with coming up with a budget for holiday shopping, there are ways to still give gifts this season. Aside from doing handmade gifts, sending out cards and spending time with loved ones, you can still buy them gifts within what you can pay by purchasing from website shopping catalogues no credit check required that allows you to shop on credit and pay monthly terms or on installment basis.
However, don’t assume that shopping using catalogue credit cards gives you freedom to blow your budget on shopping for everything. Remember that you would still have to pay for them. It just gives you an opportunity to still be able to buy gifts even if you don’t have the spending budget for it at the moment.
How do catalogue credit cards work?
Basically, catalogue shopping companies offer a variety of products and offer them online. To make shopping easier for their customers, they offer credit cards that you can use on their web site. Note that your credit account will only work on purchases made on their web site.
They offer catalogues with credit accounts so that customers will be able to spread the cost of purchases by doing term payments. Purchases can be paid for on a monthly basis with a fixed interest rate. You can also even choose to “Buy Now & Pay Later”, depending on the agreement or offer they are having.
What makes catalogue credit cards so appealing and pro-consumer is that they usually approve even people with a bad credit history. The approval limit might be a bit lower at first, but with regular purchases and timely payments, this gets lifted sooner than later. An added bonus is that this is a way for them to earn positive credit rating points and slowly rebuild their credit history.
Applications vary between shopping catalogue sites but they usually only require proof of your identity, residence, monthly income and an active bank account. Processing time is short too, so you get to shop in no time.
Shop using catalogue credit cards
To save time on shopping, shop online. Better yet, shop from catalogue web sites. Their variety of products and idea bundles allows you to shop for everyone stress-free. Consider them your one-stop shop for your holidays gifts. Apply for catalogue credit cards and be able to map out your shopping budget and even have leeway to buy something really nice for yourself too!.
Holiday shopping need not be a stressful and frustrating experience. Catalogue web sites think of all the gift ideas for you and even give you an option to make shopping payments easier!