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Today many people purchase merchandise within online catalogs or websites because they can find everything they need at one place without even leaving the sofa. Some of them prefer one particular merchant and others shop at various merchants searching for the lowest possible price. Especially for such consumers there are shopping credit cards or catalog credit cards with different perks like discounts, benefits, specialties, and rewards.
Amid benefits you will see such features as no credit check, large credit line, reporting to the credit bureaus, and some other. All in all shopping credit cards are like general credit cards but there is one important difference. The shopping credit cards can be used exclusively at one particular online catalog or its partners. You can't pay with this card at the restaurants or book a hotel room.
Consider catalog cards as a convenient way to pay for your purchases while you are building up your credit history. But convenient doesn't often mean easy. Because catalog cards may have higher-than-average interest rates accompanied with high fees, and this is without taking into account shipping costs. So get aware of possible costs - read carefully terms and conditions before you apply for a card.
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