We all know how much women love to shop. It’s one of our favourite pastimes, and can be highly therapeutic (seriously)! There’s something about hitting the shops with your gal pals that makes you feel good. A bit of retail therapy is enough to sort any girl out. And the credit card is so often our most trusted ally.
However, these days it’s more difficult to make ends meet than in the past. And many of us are going to be in some kind of debt. This can make it pretty difficult to get a credit card if you have a bad credit rating. But don’t worry, that shouldn’t stop you from being able to new Manolo Blahnik’s that are on the market! These are some alternative options to a credit card for girls with poor credit.
The easiest place to start with this is to save up and use cash for your shopping. This might be tricky because it’s so difficult to save money without spending it! But if you’re serious about it you need to try to do this. Saving from your paycheck each month is not going to be affected by your credit rating. So this is the easiest and best way of saving up to get what you want. You are going to have to be quite disciplined with it though!
One of the best forms of shopping available to us ladies is catalogue shopping. We’ve all most likely done a bit of this at some point. And when the Avon lady pops round we can’t help but have a browse! There are excellent ways of getting catalogues even if you have a poor credit history. Check out this list of catalogues for bad credit history that you can choose from. This still enables you to do your shopping and not have to worry about your bad credit getting in the way.
Store Cards & Credit
Another thing us girls love is store credit. If you shop somewhere quite often, you might have accumulated some store cards over time. Now, you can use these cards to make purchases and obtain store credit. The good thing about them is they can often be easier to obtain than regular credit cards. So you don’t have to worry about your credit rating stopping you from buying what you want. Store credit and store cards are an excellent way of supplementing your cash when you go shopping.
You might think that poor credit will prevent you from getting a loan, but that’s not the case. Sure, a lot of loans will not be accessible to you. However, there plenty of loans out there that cater to people with bad credit. So you should be able to get some sort of loan to help you out with your shopping. However, you’ve got to be aware that you will have to pay back the loan eventually.
These are just some of the ways you can afford to shop for those shoes even with poor credit. There are plenty of options available to you; it’s just a case of being practical. Remember, you don’t want to run yourself too far into debt, and with these methods you can certainly avoid that risk.