As technology develops, so does the way we communicate with our family and friends, the way we read news and most importantly the way we shop.

Many retailers and grocery stores create their own websites through which they allow their customers to shop for all kinds of products and services. According to statistics, e-commerce sales are expected to reach over $690 billion in 2020 which means that eventually, it will be hard to find someone who has never bought anything online.

The ability to shop from the comfort of our homes without worrying about parking space or waiting in long lines are some of the reasons that are attracting people to rely on this kind of shopping.

However, as time goes by, people often get carried away with buying online which sometimes leads them to financial crises and poor credit rating.

Before we continue, let’s explain briefly what a poor credit score actually entails.

People who have poor credit scores are those who have a hard time repaying some kind of a loan for a product or a service.

The score ranges vary based on the model used for calculating the credit score.

Depending on the model, if your credit score reaches somewhere below 670 then you have a bad credit score rating.

But facing such a financial crisis doesn’t mean that you should stop shopping online altogether.

So, in this post, we are giving you several tips on how you can continue to buy goods online with a poor credit score and work your way up to improve it.

Tip 1: Sign up for online catalogues

Online catalogues have taken a rise in recent years and the opportunities they offer are very appealing to many digital shoppers.

Signing up for online catalogues for poor credit can come in handy for shopping goods and services online.

Some online catalogues do background checks of their customers and if you find out that you have a bad score rating then you will most likely be refused.

So, you need to find catalogues which don’t factor in that situation because they have higher acceptance rates than others.

The opportunities they give you such as buying an item now and paying for it later are what attracts more people.

However, keep in mind that you might be given some limitations to the number of purchases you can make.

But don’t be discouraged because when you register and are approved, your limitations can easily decrease, and shopping online can become easier.

Tip 2: Choose different payment options

Online catalogues offer several payment options you can choose from.

These include paying in weekly or monthly installments by using the option of buying now and paying for the service later.

The opportunity to pay in weekly or monthly installments just means that you can spread out your costs over a time period during which you feel like you could afford to pay off for the purchase.

The buy now, pay later payment option is very popular and it works exactly how it sounds.

You spread the cost over a certain period of time allowing you to make even larger purchases making them more affordable.

With each option you will receive a statement that includes what you have paid so far, the date of the purchase, and the due date for the next payment.

Tip 3: Shop with no interest

Another option for shopping online while having a poor credit score is by shopping with no interest.

Whichever payment option you choose, when you have a bad credit score you can take advantage of the interest-free period to buy anything you want which is usually the first month.

This means that when you choose to pay in weekly or monthly installments, your payments will not include an interest.

This is very helpful because you will be able to pay off the entire debt on time and with no additional costs.

However, if you don’t make your payments regularly, your next installments will include some interest and you will be back to square one in no time.

Another thing to remember is to avoid purchasing expensive items, so your payments are easier to pay off.

Tip 4: Use other incentives

Another thing you should definitely take advantage of is incentives.

A very popular one is free shipping, which according to statistics by Forbes, about 88% of people want the most.

So, make sure you check the delivery policy of the online stores in order to save money for shipping costs.

Another incentive is receiving a free gift when you make a purchase.

Sometimes online stores even slip free samples into the packages which people really enjoy.

In addition to these gifts, you can even look for free gift wrapping which really comes in handy when you are short on time and don’t want to spend money on it.

Coupons are also on the rise because they are a great opportunity to shop for products and get a discounted price.

You can also get a discount if you buy several items of the same product.

Final thoughts

So if you are one of those people who have a bad credit score, don’t be discouraged right away.

Luckily, there are many solutions such as signing up for online catalogues and using the various options to make payments without worrying that you will end up in a more severe financial crisis.

What you need to remember is to be careful with your payments and to make sure that you repay anything on time.

This way you will not be charged with additional interest costs and might even get the opportunity to improve your poor score.

Also, look for different incentives and take advantage of them.

They will surely help you with saving more money.

With that being said, follow this guide and continue shopping without worries while working on improving your credit score.