Do you need a new laptop? Smartphone? Television? Finding the funds to purchase an electronic item like this can be difficult – especially if you are on a budget. However, opening an account with a catalogue company will allow you to spread the cost over a period of time.
Here’s how to spread the cost on technology products with a UK home shopping catalogue.
1. Choose the right catalogue for you
There are a plethora of home shopping catalogues in the UK that specialize in technology products like smartphones, laptops, and mobile tablets, including Marisota, Bright House, and Very. Use a price comparison website to find the best catalogue company for you – this will enable you to compare and contrast different prices and services on offer, providing you with all the information you need when purchasing consumer electronics. Techcred compare dozens of the top UK catalogues including their products, prices and credit plans.
2. Have your identification ready
Many catalogue companies will carry out a credit check to see whether you are eligible to open a new credit account. Some companies will provide you with an instant decision about your application before sending you your welcome documents in the post. Other companies may require further identification such as proof of address – have these documents to hand in order to speed up the process. You may be required to send copies of these documents in order to further your application.
3. Budgeting and making repayments
Opening a new credit account in order to purchase a technology product can allow you to budget and control your finances more effectively. You will be able to pay in small installments for any items that you have purchased, rather than paying for the product in one go. You will receive a monthly statement from the company outlining any purchases you have made, and the minimum monthly repayment you will need to make. You can then make repayments online, over the phone, or by visiting the company’s nearest branch if they have a presence on the UK high street.