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K & Co – Bad Credit Review

K & Co. is a print and online home shopping catalog created in 2011 as a combination of Kays, Great Universal and Empire Stores. The catalog offers a wide variety of merchandise, including clothing for men, women, and children, sportswear, home goods and furniture, electricals, entertainment, health and beauty, and gifts and jewellry. K & Co. offers free 2-day delivery or collection service, along with a flexible delivery service for an additional £4.95 charge. The company also offers free returns. Notably, K & Co. offers a wider range of sizes than many traditional retailers, including many plus size, petite, and tall options.
 

 
K Account
K & Co. offers a service it refers to as the K Account. The K Account is a credit account that allows customers to spread out the cost of their K & Co. purchase over a period of time, making large purchases more manageable. Depending on the item and the amount of the purchase, you can spread the cost over a period of time ranging from 20 weeks to 4 years. K Accounts allow you to pay off any purchase over 20 weeks with no accrued interest, while items over £80 can be paid off over 52 weeks with no interest. A K & Co. credit account also allows you to pay off more expensive items over a longer period of time, though you are require to pay 32.9% interest on such purchases.
 
To obtain a K Account, you must submit a credit application to K & Co.’s finance provider, Shop Direct Finance Company Limited. The company will check your credit record and verify your identity, and will also check the credit of those financially linked to you. K & Co. tends to have less strict credit requirements than some other home shopping catalogs, so it’s a good place to start looking if you’re seeking a credit account despite having a poor credit history.
 
K & Co. requires customers who make purchases using K Accounts to make minimum monthly payments. Your minimum monthly payment is calculated based on the amount of your purchase and the length of the interest-free term to which you agreed. If you fail to make minimum monthly payments, K & Co. may refer your account to collections or seek a legal judgment or CCJ against you, which will negatively affect your credit.
 
Buy Now, Pay Later
In addition to the K Account, K & Co. offers buy now, pay later promotions. The buy now, pay later option allows customers to defer payment on all purchases over £50 for 10, 11, or 12 months. If you choose to pay off the balance in full before then end of that period, the company does not charge you any interest; if you carry a balance at the end of the period you will be charged the company’s standard 32.9% APR on the purchase, and the interest may accrue from the time you actually made the purchase, depending on the item. You can also choose to spread the cost of the remaining balance over a period of time after your interest-free term has ended.