Catalogue Cards
Establishing a good credit history is not an easy task. It takes time and a lot of financial self-discipline. Even then it can be difficult to find anyone willing to take a risk on you, especially if you are young and do not have any kind of repayment record. If this is you and you are looking for a way to build or re-establish your credit you might want to look at getting a catalogue credit card.
The approval process for catalogue credit cards is fairly lenient. Just about anybody can get one, regardless of his or her credit history. Often times you will have an initial starting limit of as much $7500 with frequent offers for increases. The downfall is that you may have to pay an application fee that could be as much as $150 and you can only purchase items from the issuing companys’ catalogue or website.
There are many benefits to building your credit this way. In most cases, you will not be charged an annual fee and you will only be charged interest on your purchases if you do not pay the entire balance by your due date. Also, these companies report to the major credit bureaus on a regular basis. So, if you pay on time every month you will build yourself up fairly quickly which may prompt one or more of the major companies to offer you a regular credit card that can be used anywhere.
When To Use the Card Catalog
The card catalog is an alphabetical file of authors, subjects, and titles for material acquired by the University Library before 1978. It is located on the second floor of the Main Library, in the Information Desk area extending into the north and south corridors.
- The card catalog provides the only subject access to the Library’s collection for many items acquired before 1978
- The locations given in the card catalog may not be accurate. Once a call number is obtained through the card catalog, do a call number search on the online catalog to find the item’s current location.
- The online catalog provides subject access to items acquired since 1978
In addition to providing complete bibliographic information, the card multiple cross-references that make it particularly useful if you have incomplete or questionable information. For example, the card catalog has cross-references linking:
- pseudonyms to real names
- titular names (such as Earl or Duke) to given names
- current to previous names of journals
- separate titles of a series to the series title
- second or other authors to the main author
The card catalog is useful, as well, for locating translations and works by editors or important illustrators. Browsing through a few cards may reveal that the title sought is actually a sub-title or a separate volume of a larger work. The Library’s collection is extremely diverse: if you don’t find something through the online catalog and the item may have been acquired prior to 1978, try the card catalog.

