Buy Now & Pay Later with a Choice of Online Catalogues

With Spring just around the corner, what gift choices are good right now? For many, it makes sense to spread out the payments. Though you must tread carefully and choose from known catalogues and brands using the advice given here.

Before hitting Google for results on Online Catalogues 2020, do have a browse of this article to keep abreast of the better catalogues to choose from.

Catalogue shopping is extremely popular and if you wade through with care, the best deals will open up to you.

Understanding Catalogue Credit

Catalogue credit is a unique way to make purchases. It offers flexibility when it comes to paying for your goods. Catalogues allow you to make regular weekly or monthly instalments for your purchases.

When you shop from a catalogue, you often buy through an agent. This person will earn a commission on the purchase. It’s also possible to get your own catalogue. There are shopping accounts available for just about everything.

Well-Known Catalogues

If you’re new to catalogue shopping, you may want to shop with some of the well-known companies. Here are some of the most popular:

  • BrightHouse
  • Fashion World
  • Hughes
  • Jacamo
  • JD Williams
  • La Redoute
  • Littlewoods
  • Perfect Home
  • Studio
  • Very

How it Works

The main allure of catalogue shopping is being able to buy now and pay later. Most catalogues offer credit to consumers. This lets you make a purchase and pay it off in instalments. You may be offered an interest-free grace period to repay, but if you miss a repayment or don’t pay it off in time, interest may be added. Always read the terms before catalogue shopping.

All the Costs

The cost of catalogue credit depends on the interest rate and terms. You may not pay anything additional if you take advantage of a zero-interest promotion. But, most catalogues have higher interest rates than many credit cards.

You’ll be expected to make regular repayments to remain in good standing. It may take 1-2 years to fully pay off your purchases. Other hidden fees include penalties for late or missed payments.

Advantages of Catalogue Shopping

The main advantage is being able to purchase something you need right away. If you don’t have the full amount for a large purchase, you can buy now and pay later. Many catalogues also offer promotional grace periods, so you could end up saving money.

Disadvantages of Catalogue Shopping

You may be tempted to buy things you don’t really need. If you miss a payment, you’ll get hit with high interest rates. There may be a cheaper option for you, including a personal loan or credit card. Happy gift hunting using online catalogues in 2020.

 

Strategies for Buying Online With Good Customer Satisfication

The benefits of online shopping are nothing to brush under the rug, but making purchases electronically can carry risks and can be a very different experience to shopping your High Street. However, you should be able to great deals, stay safe, and be satisfied with your all around experience.

Expect the best from the product and service

First of all, you should expect the same level of product and service when buying online as you when you buy from a store. The good news these days is that many companies are measuring their business in levels of customer success. Companies like User IQ explain this in terms of desired outcomes for business, with the ‘Desired outcomes representing what customers seek to do with your product combined with an adequate user experience.’ Many online businesses even us business software in order to measure this customer success, which could also be called customer satisfaction.

In short, you should be happy, not just with the product, but also with the ease of using the website, the delivery time, the way it was packaged, the courier used. Your whole shopping experience from start to finish.

Keep on Top of Security

 As Mike Homnick of PCWorld points out, basic techniques such as keeping your browser updated and installing a top-notch malware protection application can reduce the odds that a cybercriminal is successful with an attack. Additionally, check that you see a padlock icon in the url bar as you shop or make your payment to vendors through third-party sites, such as Paypal. This icon, along with https:// rather than http:// preceding the website address, indicates that the website is secured with Secure Sockets Layer (SSL) encryption. Online payment services also can provide more protection in that they often allow you to transfer funds without giving the retailer your credit or debit card information, all while protecting you with unauthorised transaction coverage and monitoring for suspicious activity. Using only secured network connections and sticking to only well-recognised retailer applications are additional tips. Finally, find and verify the phone number and physical address information for the company you’re considering buying from, as the National Cyber Security Alliance recommends. Legitimate businesses readily supply this data to prove they’re valid enterprises, as well as to facilitate good customer service.

Internet Security

Insist on the Minimum

 Many great retailers ask you for a little more information, such as your email address, for niche marketing or customer service purposes. Some pieces of data, however, such as your Social Security Number, specific date of birth or driver’s license number, have no marketing or delivery value for a legitimate seller. If you can’t place your order by providing your name, address and credit card/third party payment option, be suspicious. The fewer fields you have to fill out, the better.

Be Willing to Compare and Research

 The online market is incredibly competitive. If you buy from the first retailer you see, you might miss finding a better price from another seller, especially when you take into account that some websites offer incentives like cash back. Take the time to shop around, and don’t forget about options like coupons, which can reduce your bill even if your primary seller isn’t offering a deal. As you compare vendors, read as many reviews as you can, not only about the product you’re interested in, but about the sellers themselves. Aim to use only retailers that have satisfaction rates of 99 or 100 percent during the process, and check the company’s rating with the Better Business Bureau (BBB) to be absolutely sure the good reputation you’re seeing is valid.

Keep Documentation

Documentation such as confirmation emails or transaction numbers can assist with refunds, exchanges or other problems. Terms and conditions, price pages and product descriptions also fall into this category.

Assume a Return

Although you hopefully won’t need to return what you order, never buy anything online unless you’re aware of the seller’s return/refund policy. Many vendors won’t take back products without receipts, return numbers or original packaging.

Conclusion

 Online shopping can be a convenient way to get what you want or need, provided you take steps to protect yourself. Simple strategies greatly reduce the chances you’ll have a bad experience and of your marking your experience a customer success.

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Have You Joined Lucky Checkout?

In our current climate, we all like something that is free. This is certainly true when it comes to doing our shopping. Whether this be buying one item we have had our eyes on for some time, shopping for a gift for a loved one, or doing a more concise online shopping spree at Christmas, if we can save money, or get something for free, that is always a bonus that we wish to take.

The Lucky Checkout Club is an online reward scheme for shoppers. It has been described as the premium bonds of loyalty and reward schemes. It is described this way because shoppers are automatically entered into a monthly prize draw to win a large cash prize each time they shop via the Lucky Checkout Club site. You can win simply by shopping – how amazing is that?

So How Does It Work?

Using the Lucky Checkout Site is so easy. You simply have to sign up (for free – there are no hidden charges) and then you can use the toolbar to search for the store or brand that you want to visit. There are lots of stores to choose from, ranging from Lego to Wowcher, to Superdrug, Currys, Boden and Vivienne Westwood. Once you visit the brand or store by way of the Lucky Checkout website, your visit is recorded, and once you make a purchase, you are then entered into the free monthly draw to win a cash prize. It is that simple.

The more people who join and use the Lucky Checkout Club, the higher the prize pot gets, so there is definitely an advantage to sharing the site with your friends so that you basically share the love!

In addition to the free prize draw, Lucky Checkout Club will send you information about special offers, as well as coupons and voucher codes for favourite brands, so you will also be able to make savings on your purchases.

The Lucky Checkout Club Shopping Tool

As well as the website, you can install the Lucky Checkout shopping tool on your browser which ensures you never miss out on entry to the prize draw, or any of your favourite retailers offers and discounts. The tool is again free to download and install and literally takes a minute to do this. The shopping tool means you can enter the prize draw with one click when you are at almost all retailer’s websites. It also shows vouchers when you enter a retailer’s website (if the retailer currently has any offers like money off or free delivery options). For this option alone I think it is worth installing, rather than having to trawl the web for a particular voucher site.