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Bad Credit CLOTHING Catalogs: PRE-APPROVED Credit Catalogs For People With Bad Credit

By Edited Mar 10, 2016 0 0

Bad Credit Clothing Catalogs

You can buy clothes online on credit even if you have bad credit.  In fact, there are quite a few buy now pay later no credit check sites online that you can buy not only just clothing, but almost everything you can think of.  Buy now pay later  no credit check catalogs have been around for decades and even longer than under a different name.  However, for people who have bad credit and need to buy clothing, there are great options in designer clothing and beautifully made clothing with the bad credit clothing catalogs.

Before the emergency of the national credit industry, people used consumers and merchants used to deal directly with each other and arrange credit relationships.  This is how most of the buy now pay later Clothing catalogs work today.  They extend credit to you as as you show good faith by paying back your debt and paying it back on time, your credit is not only continually extended, but it is gradually increased.  This means you can buy more clothing each time you buy clothing on credit and pay it back on time. These so called "bad credit clothing" catalogs are a great way to do shopping for yourself and for others.  Many people do shopping for birthdays, anniversaries, Mother's and Father's Day as well as Christmas shopping from these so called "bad credit" catalogs.

Buy shoes now pay later catalogs work the same way as the clothing catalogs.  The only difference is that their focus is on selling shoes and accessories such as handbags, purses and sunglasses. However, from the buy shoes now pay later catalogs you can outfit your entire family with the current season's fashionable footwear for all four seasons.  Shoes are usually by well-known designers and prices are very competitive.

 

Why Do People Call Them Bad Credit Clothing Catalogs?

They are not really just for people with bad credit.  Even though they are not necessarily for people with bad credit.  They are called bad credit clothing catalogs because people with any kind of credit whether bad credit or excellent credit can purchase clothing and other items from these catalogs and online venders.  So therefore, because the credit requirements are either non existent or greatly relaxed, people call them bad credit catalogs. However, as we have discussed above, these merchants are only using the tried and tested principles that were  used before the development of this current credit system when the merchant and the customer worked directly with each other without the use of the middleman.

 

What Are The Names of Some Bad Credit Clothing Catalogs

There are more and more so called "bad credit catalogs" popping up everyday.  Some have specific brands of clothing and merchandise, while other have a more generalized collection.  Some are specifically for men, some are specifically for woman, while others have a happy medley of clothing and merchandise for the entire family. It really all depends on what your preference is.  Once you order items from one buy now pay later catalog and pay back your purchase on time, you will generally receive another similar buy now pay later catalog in the mail. Here are a few that can get you started.

  1. Fingerhut
  2. Montgomery Ward
  3. Midnight Velvet
  4. Seventh Avenue
  5. Stoneberry

 

Can Buy Now Pay Later "Bad Credit Catalogs" Help Build My Child's Credit History

Yes, if you or your child needs to build up your credit history and credit rating, using the buy now pay later catalog technique can help you do that.  Your child has to be at least 18 years of age or older.  Since these buy now pay later catalogs usually don't check your credit, they usually don't report to the bureaus unless you request it in writing.  However, once you start paying for your items and establishing a good record with them, you can uses this as a method to build a credit history for your child as well as teach responsible use of credit and also repair and build your own credit history.

How Do I Get Started With Buy Now Pay Later Catalogs

First, go to their websites and order a catalog.  Once you get the catalog you may get the catalog telling you that you are already pre-approved for a certain amount.  Other times you may have to make a small purchase and the next time your get the catalog, you will get a pre-approved amount you can spend.  The key is to make sure you pay for what you buy because then you will get an increase in your spending limit.  You will also get other pre-approved catalog offers in the mail to buy more clothing and other types of merchandise such as jewelry, and furniture.

You may have to be patient before you get to the spending limit you want, because most of these buy now pay later catalogs will only start you out at a few hundred dollars per month until you have proven that you can handle the credit they extend to you. 

Be cautious not to abuse the credit extended to you.  Although the buy now pay later no credit check catalogs don't usually report to the credit bureaus unless you ask, they use the same principles that were used before World War II and the development of this modern day credit system.  Before World War II, merchants only reported people who didn't pay their debt to the local credit reporting agencies.  So it is with the buy now pay later no credit check catalogs.  If you don't pay, they will report it to the national credit bureaus so just pay.  You don't want to take advantage of the opportunity to buy things on credit and ruin the opportunity give to you to escape this whole vicious credit cycle.  Keep to the honor system and pay your debt. Keep to the principles of "if I can't afford it, then I don't need to buy it." Buy only what you need, and pay your debt on time and you will establish a good relationship with these buy now pay later companies so that you can buy what you need when you need it without any credit hassles.


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