Littlewoods mis-sold me and just now, their customer agent was outright rude

custardy

GrumpyDil said:

custardy said:

This doesnt tally.
To buy an item at £590 on BNPL. Dont you need enough balance to cover the potential; interest too?

Nope. Just need enough to cover the purchase. No interest added unless you fail to pay the balance when due at which point a nice hefty sum gets added. 
.

These catalogues require you to have enough credit to cover it if you dont clear the balance
So the OP could never have BNPL without increasing their credit level.