Grattan business model is to acquire and retain new customers that want to shop online but want to be able to spread their costs over a number of months. A good example would be an expectant mother, planning for a wedding or treating yourself and getting that luxury designer bag. For men its got to be those boys toys and men's designer clothing brands. Grattan customers can do this using our credit payment method. Minimum credit starts at £200.00 and can increase to £1000.00 in a short period of time. Credit can vary based on many factors and Grattan use a credit scoring system, how ever, it should be noted that some first time customers maybe rejected which is about one in three. Once the new customer has been accepted he/she is free to shop. The turn around from registration to credit acceptance or decline takes 24 hrs. Grattan offer free returns and have many marketing incentives to keep our customers coming back.