Running a Home Shopping Credit Catalogue account can help people build or rebuild a credit rating. On your Credit report a Home shopping Catalogue account offering credit will appear as “Revolving Credit”. This is the same as a Credit Card does.
Catalogue companies may start credit limits on the low end, but run and maintain your credit facility well and your Catalogue company is likely to offer credit limit increases. This will in tern have a positive effect on your Credit Utilization.
Missing payments on your Catalogue or making payments late will also affect your credit rating, but in a negative way, so always try and make your repayments on time and stay within your credit limit.