Catalog Credit Cards - Reviewed

One of the best alternatives for those with no credit or a bad credit history is a catalog credit card

. The recent rough economic times have led to financial institutions applying stricter rules to extending credit to consumers, especially those with a less-than-perfect credit record. This is not a problem for anyone applying for catalog credit cards.

Your approval for a catalog credit card is guaranteed. Securing a catalog credit card is an easy way to start re-establishing your credit. You will not need to provide your financial history and will be able to start over with a "clean slate" with your new credit card. Catalog credit cards do not require employment verification, so if you are between jobs, you will still be able to obtain one of these credit cards. Credit limits for catalog credit cards are usually very generous. You will be able to prove your financial management skills and have the freedom of purchasing items you need using your new credit card.

Your purchases will be limited to those you find in the catalog. However, there are catalog credit cards available for catalogs that provide items from a large variety of items, and you can also secure cards from several catalogs. Your shopping will be simple, convenient, and hassle free. You'll have the advantage of being able to track your spending and pay for your purchases with one easy payment.

There are many different catalog credit cards to choose from. Compare the cards you are interested in to determine which one will best suit your needs. Many catalog credit cards have introductory specials of 0% interest. Check the terms of your catalog credit card so you are aware of the interest rate that will take effect after the introductory period ends. Most catalog credit cards do not require a security deposit, but be sure you understand these terms before you apply for a card.

Owning a catalog credit card often allows you to make purchases at special reduced rates. Discounts are frequently reserved for catalog credit card owners. As a preferred customer, you will be notified of these special rates so you can plan your purchases for greater savings.

Catalog credit cards report your payment history to the credit monitoring services. You will be able to boost your credit rating by responsibly paying your credit card payment on time and keeping your balance under the credit limit. With a catalog credit card, you can be well on your way to building a new and improved credit rating.

by: William Trustey

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