A Bad credit rating can be caused by making too many applications for credit in a short time through to missing repayments on your credit agreements.

Sometimes missing too many payments can lead to your lender ending it’s agreement with you and this is known as a default. If a default isn’t dealt with it could be taken further and a County Court Judgement can be registered against you.

All information about your repayment history is reported for six years. This means that if in the past 6 years you have missed repayments or suffered from defaults your credit rating won’t be as high as you would like.

Having a bad credit rating can stop other lenders from accepting credit applications. A pay monthly catalogue company will credit check and credit score your application and if they see problems it could mean they will refuse an application.

However, there is a Catalogue company willing to overlook your past and consider what you are going to be like in the future. This Catalogue will guarantee acceptance and you could receive a credit limit of up to £2500.

Introducing the Savvy Benefit Card

If you have bad credit and have been declined credit with a Catalogue company you should consider the Savvy Benefit Card Catalogue, it offers you the chance to build your credit rating by proving you can maintain payments on a credit agreement. Just be sure to keep up with your repayments and this can help build a damaged credit rating. Click here to apply for the Savvy benefit Card.


  • Jhon Miller
    Posted June 27, 2017 3:08 pm 0Likes

    Love this blog! It provides all the necessary information and gives the best advice!

    • Mark Chapman
      Posted June 27, 2017 3:11 pm 0Likes

      Thank you! Please stay tuned for more updates

  • Miki Williams
    Posted June 27, 2017 3:09 pm 0Likes

    One of the best websites so far. It suits any financial company perfectly, and seems to be working in any mobile device!

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Credit Catalogues

A Pay monthly Credit catalogue can help you build or rebuild your credit rating. Applying for your pay monthly catalogue only takes a few minutes...

Catalogues with Credit

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Catalogue Credit Limit Increases

Your Catalogue credit limit can be increased from time to time. Every 3-6 months your Catalogue credit limit will be reviewed, this means you could have more spending power and this could also improve your credit rating.


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