The Best Way to Shop in the UK If You Have A Bad Credit Score

The UK has a lot of shopping options for people with bad credit scores. That being said, there are some stores that are better than others. In this blog post, we will talk about the best ways to shop in the UK if you have a bad credit score and why these methods can be the most beneficial. We’ll also provide an overview of what each store offers so that you know exactly where to go during your next shopping trip!

Thousands of consumers are dealing with bad credit scores across the world and the UK is no exception. There are many lower income families who are currently struggling with the results of the recession and results have affected consumers in more ways than one.

When it comes to purchasing everyday items, as well as much bigger items, buying them out right can be a huge hassle.

Fortunately there are many options that can be taken advantage of when it comes to shopping in the UK with bad credit. These options tend to help families get the things that they need without further crippling their credit.

What are Instant credit catalogues?

Instant credit catalogues like Swimwear 365 Catalogue, are catalogues that offer people with bad credit, a credit free shopping experience. Making a purchase through an instant credit catalogue means that your credit isn’t taken into consideration and you are more likely to get obtain the items that you want without the worry of being denied.

Most catalogues attempt to help buyers by lowering their credit utilization credit score.The idea behind raising your available credit by grabbing credit somewhere else is the idea behind these instant credit catalogues.

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Shopping through instant credit catalogues means that the buyer will have a line of credit that he or she has to pay off through weekly or monthly payment plans. These types of companies tend to focus on credit checks, and they have close personal relationships with different financial institutions.

Credit cards for people with bad credit

Ok, so you are much more interested in trying your hand with credit cards. If you have bad credit then more than likely, you’ve been denied a credit card. Fortunately there are credit card options for people with bad credit. And they can really be helpful when shopping in the UK.

There are many bad credit cards that allow people to build or rebuild their credit. But the one known credit card is the Barclay Card. This card is highly popular and has been known to help people rebuild their credit. During the rebuilding time, one can take advantage of shopping and buying, making sure to focus on the monthly payments. Consumers who are interested in obtaining this credit card must be enrolled in the electoral roll and must not have CCJ’s or IVA’s in the past five years.

The best way to shop in the UK if you have a bad credit score is to either take advantage of the instant credit catalogue or grab a credit building credit card. The great thing about shopping in UK with bad credit is that there are options, and these options can be exercised with the least amount of hassle.

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The Barclay Card is one of the best way to shop in the UK if you have a bad credit score. This card has been popular and has helped people rebuild their credit during that time frame. Consumers who are interested in obtaining this card must enrol in the electoral roll and cannot have CCJ’s or IVA’s within five years of each other. The benefits of shopping with this type of CC include:

  • Instant Credit Catalogue (IEC): some stores will extend instant credit for an extended period, which can be paid off at any point before leaving said store
  • Credit Building Cards: these cards allow consumers to take advantage of installment plans offered by retailers so as not to accrue high debt levels on purchases


Many people with bad credit are often limited as to the stores that they can shop at. They may not be able to use certain payment methods, or their bank accounts may be frozen, which makes shopping difficult for them.

There are some great ways that you can still enjoy your favourite brands even if you have a bad credit score. We’re going to talk about how this is possible and why it’s so beneficial for those who are looking for new clothes or other items without taking out another loan from the bank.

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