The plain-English explainer
Catalogue credit, finally explained like a human would
Credit limits, soft searches, affordability checks, weekly vs monthly — what each one actually means for you, and how to use catalogue credit without it using you.
How catalogue credit works
The mechanics: account, limit, payments, delivery — in order.
Credit limits explained
Why limits start where they do, and how they grow.
Affordability checks
What lenders look at when the score isn't the whole story.
Browse the ranges
Apply at Trusty Stores →Televisions
Smart 4K sets in every size
Gaming
Consoles, bundles, accessories
Laptops
For work, study and home
Sofas
Corner units to sofa beds
Beds & mattresses
Every UK size
Appliances
Laundry, cooling, cooking
Kitchen tech
Air fryers, coffee, more
Garden
Outdoor furniture and tools
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The A–Z, minus the jargon
Affordability check
A look at your income and outgoings to see if the payments fit your budget. Used instead of, or alongside, a credit score.
APR
Annual Percentage Rate — the yearly cost of borrowing, including interest and fees, shown so you can compare.
Credit file
Your record with the credit reference agencies: accounts, payments, CCJs and searches.
Credit limit
The most you can owe on an account at one time. Often starts modest and grows with on-time payments.
Credit score
A number the agencies calculate from your file. Each lender sets its own cut-off.
Default
Recorded when an account falls far behind. Stays on your file for six years.