Do you 'Catalogue'?

Online credit catalogues allow you to spread cost of goods on either a weekly or monthly basis. Each month, you receive a “statement of account” from the catalogue company which includes all of your expenditure and information about your monthly repayment and credit limit.

If you manage these monthly repayments in time, your credit limit may be increased; hence allowing you to increase your expenditure. By paying back what you owe on time then you're credit score is likely to increase!

In this article, we shall exclusively look at the two of the best online credit catalogues in terms of their credit options and product range. One of the first things to note is that both of these stores provide an almost-instant online decision as to whether you've been approved for a credit account.

Source: bigislandcolor.com

Argos:

As many of you will already know, Argos have a huge range of products to choose from, making them an ideal place to shop for anything you need. With the Argos Card, you can purchase now and pay later over a 6-12 month period dependent upon the price of the product.

It’s simple! You only need to choose the products that you want or like at the checkout. Select the “Buy Now Pay Later” option and fill in your details.

If successful, you will receive an Argos Card in the post in a few days, however, you don't have to wait until it arrives to start buying on credit.

The application process is quite straightforward, and the most interesting thing is that it can be approved online, and your items delivered right to your doorstep! You can use it in-store or online. 

Littlewoods:

The Littlewoods catalogue has a broad range of seasonal fashion, from popular and respected brands such as Adidas, Converse, Firetrap, Nike, Henley’s, Everlast Voi jeans and many more.

It also includes a significant choice of home essentials including gadgets, home appliances and furniture.

Just like Argos, Littlewoods is one of a large selection of catalogues in the UK that offer credit however, they offer interest free credit periods and respectable interest rates making them the starting point for buying on finance.

It is worth pointing out here that both of these retailers do have strict credit checks so those with no credit history may find themselves getting refused. In this case, there are other credit catalogues you can choose from that are more lenient. Creditcatalogues.org.uk provide a comprehensive list of the top UK catalogues. Remember though, before you apply for a credit account, double check the terms and conditions to ensure you fully understand how much interest you might have to pay.

**SP

 

MAC Fanfare Lipstick

MAC Fanfare lipstick is the latest addiction to my collection and is one I chose from a blogger competition win. I had swatched it a few times in the Covent Garden store and decided that as I wanted it, I might as well ask for it with my win.

My growing collection of MAC lipsticks consists mainly of pinks such as Angel, Creme Cup and Viva Glam V so it is probably not that surprising that I have added Fanfare and love the look of Lovelorn, Syrup and Please Me - none of which I have bought (yet).

Fanfare is best described as being a light salmon pink shade lipstick with a slight coral undertone. You will find this lipstick in amongst those with a cremesheen finish. So texture wise it is really creamy formula which is quite smooth when applied as it glides right across your lips leaving behind a wonderful shade of pink. 

The one thing I dislike about Creme Cup as a cremesheen finish is that if you have dry patches on your lips, it clings to them, so I can only wear it or feel comfortable wearing it when my lips are in really good condition.

Texture wise Fanfare is smooth and pigmented and on me it has a staying power of around 3 hours before it begins to fade, but as with any product like this, I am one of those people who applies lipstick regularly throughout the day. During those three hours it is more than likely that I will have had copious glasses of water and probably 1-2 cups of green tea, so for a 3 hour stay, I think it is actually quite good. 

As a shade, it is one that I really really love. It looks lovely on its own or with a gloss over the top, something else from MAC which I am a bit of a sucker for. I personally feel this is a daytime lipstick and it is one I wear for work all the time, though for an evening, you could wear it as it is buildable.

Priced at £15.50 it is quite pricey in my opinion but it is a lovely lipstick and I like the shade, plus I won it and I am super chuffed with it.

What MAC lipsticks do you love?