The holiday season is upon us and for most of us, more than anything else, it is considered shopping season. Not only do we want to buy a lot of gifts for our loved ones and friends, we often like to buy a trinket or two for ourselves as well. At the same time there are many of us who are filled with dread at the thought of Christmas shopping:
“The stores will be so crowded”
“Shopping is so stressful”
“It’s so difficult to decide what to buy”
“Everything is so costly nowadays”
“How can I afford all this shopping?”
These are a few of the reasons why more and more people are bypassing the physical stores, instead choosing to do their shopping on the Internet. While it’s no secret that there are tons of websites where anyone can go and buy a wide range of products easily, most of them are of little use to someone who is going through financial trouble. However that does not mean that they should not be able to buy Christmas presents.
Shopping on a super tight budget
Have you ever had to make a choice between getting a present for yourself or one for your loved one? Then you know how it feels. Holidays are no fun if your wallet isn’t fat enough and when that is so, getting a credit account with a catalogue shopping website is the easiest way out of this dilemma.
The obvious reason behind this choice is the ability to purchase something right away and pay for it over time. Can you even begin to imagine how easy that would make things for you? You could buy that iPhone for your teenage daughter & yet be left with enough money to get a new bed for yourself and a household appliance to make your life easier.
On top of this many online catalogue merchants provide competitive rates that you will hardly find in the regular retail market. When you combine that with the advantage of being able to pay monthly or weekly in small installments, the economical benefits are rather apparent.
For instance by signing up for a credit account at Brighthouse.co.uk, perhaps the most popular catalogue site for people with bad credit, you could buy a brand new Xbox one (with a gold membership) for just £10 a week. That’s less than a couple of pints at the pub. Throw in another 9 quid and you could also take home an automatic washing machine.
How does this credit system work?
Not everyone can afford to pay a fortune upfront for buying necessary appliances or furniture and companies like Brighthouse are there to make the burden easier by providing the option of weekly payments to customers. The process of doing so is rather simple; you just have to sign a hire purchase agreement with them and you’re ready to shop. It can easily be done by applying for credit on their website or in one of their stores, if you happen to be nearby.
Once you have been approved for a set amount of credit, you are free to start your shopping adventure right away and with products from 100’s of brands available on their shelves, it’s bound to be an exciting one as well.
But I have bad credit.
This is the #1 reason why Brighthouse are the market leaders in this industry. Even if you have been denied credit at other places already, there is a very good chance that you will be accepted at Brighthouse. Unlike their competitors at Freemans or Grattan, Brighthouse perform an easier credit check and in an attempt to form long term relationships with their customers, they are committed to helping buyers improve their credit ratings by offering finance when other companies may not. Naturally, as you start paying off the debt via weekly payments, you will clearly see a betterment in your credit rating.
Brighthouse will even provide you the option of enabling direct debit from your bank account so that you never forget to make a payment and in case you can’t make a particular payment for some reason, Brighthouse provides you with an array of backup options that you can choose to opt for.
For instance, you could find an alternative item that has a lesser weekly payment obligation or you could return the item on a pickup and hold basis till you are able to pay it off. As you can see the idea is clearly to help people with bad credit shop for things they deserve and in the process improve their bad credit rating.
It’s all about the convenience.
When you shop online from a catalogue, you have the option to easily browse through a wide range of products ranging from furniture, to mobile phones to top of the line stuff from the fashion world. No more trawling through crowds to desperately fish for the best bargain. As a consumer in a buyers market, today you have the option to shop from the comfort of your own home, buying products at cheap prices and paying for them in instalments.
And then there are value added services
The massive amounts of value added services that companies like Brighthouse provide make the offers even more attractive. Not only do they not ask you for any delivery charges, they even provide free installation for items that require such a service. From setting up a brand new smart TV to delivering heavy furniture- they have it covered.
Brighthouse also provides insurance for your product without you having to pay a penny more for it and will gladly repair the item as and when it is required. In case you need to send away an appliance or an electronic gadget for repairs, they will even lend you a replacement product for the duration of the service. If they are not able to fix your product then you get a new one without any questions being asked.
No wonder then that so many people are turning over to Brighthouse for their shopping needs, as it is by far the easiest catalogue to get things from. Even big retailers like Amazon couldn’t dream of provide such products with the free services and easy to pay options. What are you waiting for then? Happy Christmas shopping everyone!