Many companies with catalogs (both online and through regular mail) offer instant credit to customers. These catalogs offer a “buy now pay later catalog” option.

There are many advantages to shopping from catalogs with instant credit. Many of these types of catalogs do not make you wait to make your purchase for they will approve you before you finish your shopping.

Some other advantages of these catalog companies are that you have the security of using only your account number during checkout. No need to give your personal information over the Internet. Also, these companies usually do not require any payment right when you order. You pay in 30 days when you receive your monthly bill. Often, you can shop online twenty-four hours a day, as the online catalog service is always open.

There are hundreds of companies that offer this buy-now-pay-later option. Some are online only catalogs, some are direct mail catalogs and some offer both options.

To qualify for this instant credit you do not always need good credit. In addition, the majority of these companies will approve you instantly when you place an order. The average credit limit is usually around $400.00 and if you pay your monthly payment on time within a few months they will increase your credit limit automatically for you.

Here is a list of some of the most popular instant credit catalogs:

Pointe Plan Credit - This company offers home decor merchandise, clothing items, and many other goods. http://www.grandpointe.com/catalog/credit_plan.jsp

Fingerhut Credit Account - This company offers toys, electronics, home decor, clothing, pet items, and a lot more. http://www.fingerhut.com/home.aspx

The Centerpiece Store - This catalog offers over 250 unique items including wrought iron centerpieces, floor stands, glass votive cups, candles and floral accents. http://www.wedding-candles.ca/free-catalog.htm

Seventh Avenue - This catalog company offers a no down payment option if you pass their credit approval. Their catalog has electronics, home decor, clothing, cameras, and a wide variety of other products. http://www.seventhavenue.com/catalog/credit_plan.jsp

Ginny's - This catalog company has payment plans that start at around $20 per month (depending on your final purchase total). Ginny's catalog has home décor, electronics, toys, fitness equipment, and cameras among other things. http://www.ginnys.com/catalog/credit_plan.jsp