Skip Black Friday Sales

Right about now, your mailbox is stuffed with Black Friday ads for the impending holidays, and catalog shopping ads offering you “Preapproved” credit of $300.00 or more with your first order… but is catalog shopping really a smart way to handle your Christmas shopping?   Catalog shopping can actually be far better than trying to fight those “Black Friday” shoppers, and depending on how you handle the buy now / pay later option, you could have a stress free Christmas!

At first glance, that preapproved credit line can be very appealing, especially if your credit is less than perfect or if you don’t have enough money saved to actually pay for holiday shopping.  But should you actually take advantage of the offers in your mailbox or should you consider alternatives?

Obviously, if the offer in your mailbox is from a well known, respected catalog merchant, like a Fingerhut Credit Account issued by WebBank, then you’re probably safe in sending an order in based on what’s in the catalog, but if you don’t recognize the catalog merchant or it’s just an application for credit, I’d be a little leery of sending in a written credit application. Instead, find the merchant online, read any independent reviews you can find, and apply online once you’ve determined that the vendor is legitimate.

Applying online is also typically faster as most applications get near immediate responses AND once you’re approved, you can usually shop the same day.  However, it’s best to take your time, study the products you’re interested in, study the pricing, and then decide how you’ll pay for what you plan to order before you actually place the order. You don’t want to be surprised by the payment terms (or interest rates) when the bill comes in after the holidays are over. Some sites, like Fingerhut, actually post the monthly payment that you’ll need to make along with the full price of the item, so you can determine if you can afford the payments.

Personally, I prefer to make a plan to pay off the account balance early if at all possible, so that I can save money on the interest rate AND see the little bump that I get on my credit score when I pay a balance in full. But in the event that you can’t pay it off early, then do try and pay extra when you can so that you, too, can save a little on the interest rate over time.

Remember, catalog shopping in itself can be a lifesaver when you don’t have the cash to buy the things that you need to buy, but you want to be a smart catalog shopper and use your credit wisely above all else.

Here are the most popular catalog shopping sites:

Get an Early Start On Christmas!

Well, it’s that time of year again!  Yep, time to start figuring out how we’ll pay for this year’s Christmas shopping!  Now, while lots of people don’t start shopping this early in the season, here’s a really good reason why you might want to start now.

Fingerhut has just released their newest promo code and it’s a great way to get an early start on Christmas!

That’s right, open a new Fingerhut Credit Account issued by WebBank , use their newest promo code, and you can save $50.00 on your first order of $200.00 or more! And who wouldn’t want to save $50.00 on Christmas presents… that’s like a great Black Friday deal that you can get right now.

So, why wait until October, November, or even December to start shopping – start today with a Fingerhut Credit Account issued by WebBank and save $50.00!  Just enter the promo code NC426 when you place your first order!

Skip Black Friday This Year!

Want to Skip Black Friday this Year?

I don’t know about you, but going out in the dark late Thanksgiving evening, or getting up in the middle of the night, hoping to get my hands on one of a very limited number of those Black Friday Deals just isn’t my thing!  I’d much rather sit back in my comfortable recliner, browsing online until I find just the right gifts… then I simply point, click and I’m done.  Free to sit back and enjoy the holidays.

What about you?  How will you shop this year?  Will you fight the traffic, the crowds, and the madness?  Will you blow your Christmas budget on impulse buys?  Gifts that people don’t really want, need or like just because it was on sale?  It doesn’t have to be that way.  You can get the gifts you want, at highly competitive prices, AND you can do it all without blowing the budget!

With your Fingerhut account, you can sit back, choose from hundreds and thousands of name brand items on their website, and you’ll know up front what each item costs AND how much you’ll need to pay each month once the holidays are past.  It really is that easy with Fingerhut.

No Cash?  Maybe Your Credit Score is not so hot?

If you’re like most people, you’re on a tight budget and you may not have the extra cash to spend on holiday gifts… Relax!  Fingerhut has a great payment plan, and you’ll know before you buy just how much you’ll need to pay each month, so you can get the gifts you need and stay on track financially.  And Fingerhut is known for extending credit to those of us with less than perfect credit – so you’ll get a fresh start on your credit in addition to having the buying power you need this Christmas!

Think Fingerhut might be your answer to Christmas shopping this year?

Get the credit you deserve and save $50 on your first order of $200 or more with a new Fingerhut Credit Account issued by WebBank . Use promo code NC361. Limited Time Only. Offer Ends Soon.