If approved or pending you may be able to begin shopping immediately.Īn instant credit catalog account can only be used for purchases from that particular website or company. Your application will then have a status of approved, not approved, or pending.
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Fill out the application including your full legal name, current address, income, asset and liability information, and submit it electronically. You will then either be directed to an online form, or receive a customer number and link to an application form in your email inbox. To apply for instant credit, visit the selected website and provide your email address. Most simply require that a person is not currently in bankruptcy, has a source of income, a valid email address and is a United States citizen currently residing in the country. Many of these companies accept low income or bad credit histories and offer credit to high risk individuals. Fingerhut also offers a print catalog which they will mail for a $2.00 fee, while USADiscounters offers automatic approval for military and civil service personnel. These six websites are examples of instant credit catalogs in the United States. The higher risk of credit payment default is reflected in the high interest rates charged by the lender. These companies often extend credit to people who have had credit issues and can't get unsecured credit elsewhere, and may advertise that they help rebuild poor credit, as they report activity to three credit bureaus. Items purchased through these online catalogs are delivered quickly, and monthly payments spread out over time. The "buy now pay later" and "apply today buy today" messages are displayed prominently on the homepages of these sites, while information regarding interest rates, fees and other charges are found by scrolling to the bottom of the page and clicking on the small-print links. These credit programs are similar to traditional store credit cards in that they can only be used for purchases from the website or catalog that has issued the credit. Shoppers are encouraged to purchase home decor and furnishings, jewelry, clothes, computers and other items. Users apply for credit right on the site, and are often approved immediately, allowing them to begin shopping right away. Some catalog websites offer "instant" credit and operate 24 hours a day, seven days a week.
Online instant credit businesses strive to meet these needs, but make sure you understand the potential pitfalls prior to opening an account. Are you an online shopper who wants to purchase items immediately? Perhaps you have experienced credit problems, and are interested in rebuilding your credit score.
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