Catalogues let you pay for your purchases in instalments and have items delivered to your home address. Before you open a new account with one of these retailers, there are a few things you need to know. Here's how to make the most of online catalogues.
1. Look for discounts Most online catalogues let you use a voucher code that can be redeemed against your purchase, saving you cash. You will usually be prompted to enter a code when paying for your items during the checkout stage. Look for voucher codes on a retailer's social media sites, like Twitter or Facebook, or sign up a company's email list to receive the latest discounts direct to your email inbox.
2. Look for introductory offers Catalogues also offer discounts for new customers. This could be anything from money-off your purchase to free delivery. Finding a catalogue with a good introductory offer could bag you a significant saving so it's worth looking online and comparing different catalogue brands before you open a credit account.
3. Compare interest rates Interest rates will probably be the biggest factor you need to consider when opening a new credit account with a catalogue retailer. These can vary depending on the company so use a comparison website to find the best deals. Some catalogues won't charge you any interest if you pay for your order in a certain time frame.
4. Check clearance items and special offers. Catalogues will often have special offers throughout the year, including during the Christmas and New Year sales. This can be a great way to save cash, and you could make a huge saving. Alternatively, check out the clearance section on a retailer's website, were you might find end-of-the-line stock and reduced-price products.
5. Make repayments online A great way to make repayments on your purchases is by logging into your personal account on a catalogue company's website. Not all brands offer this service but it can be a quick way to make repayments without having to speak to a customer service advisor over the phone.