Get Shopping Credits on Easy Terms

Posted by shopnowpaylater on February 1st, 2013

Getting a credit for shopping credits sounds too simple and easy, but it isn’t. Applying for the credit card is a long hectic process in which most of the applicants do not survive till the last. These plastic money although came into existence to make the life of common masses simple by providing them most convenient debt option are now accessible only to the ones who have enough money for all their needs. To obtain a credit card the applicant need to have good or excellent credit score, in absence of which the application will be rejected.

Credit score is the three digit number given to anyone who has taken debt at least once in his lifetime. If the person is able to pay off the debt on time with the interest rate charged by the lender company or the bank, he is rewarded with excellent credit score by the financial bureaus. But if anyone has failed to pay off the debt on time, or misses his debt installments regularly then he will be given a bad credit score by the agencies. Owning a credit card is very difficult for them as they are mostly rejected.

Some banks and financial agencies try to make profit from these bad credit people by providing them credit cards at high interest rate, heavy annual fee and without any benefit unlike regular credit plastic money with benefits. People who are desperate to improve their credit score and who want to have shopping credits for their shopping purposes, apply for these credit cards and end up in a more worse debt trap then they were already in.

For such people there are catalog cards available with ValuePlus financial company. For shopping buy now pay later credit catalog cards are perfect as they have low interest rate and are available for everyone, even for people with poor credit status. These are perfect to improve you credit score due to their easy debt terms. when you take debt by using the catalog cards it is free from any redundant fee like annual fee, security fee or the deposit fee, it has low interest rate thus you will pay only what you have spent from the card with just a small amount of money in form of interest. If you are unable to pay off the debt in a single installment then you can divide it in smaller monthly installments so that your credit score is not affected.

Resource :- order now and pay later catalogs