An individual's credit rating definitely affects not only his borrowing capabilities but his purchasing potential as well, although catalogue buying can also be construed as a form of borrowing. It is similar to buying things using a credit card but without the use of the credit card since you do not pay for what you get immediately after you put it in your bag and take it home, or in the case of catalogue buying, even after the items that you have ordered has been delivered to your chosen
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