Can I turn off my paper statements and letters? Depending on the payment plan one chooses, whether Simply 10 or pay in parts plan, the interest rate will vary. How do I contact you? . What are the physical state of oxygen at room temperature? What do I do if I'm struggling to pay my bills? What should I do to ensure I don't pay more interest than I need to? We monitor the activity on everyone's account each month, so we know when someone's account meets the FCA's definition of Persistent Debt. Please continue to make payments by an alternative method until your direct debit is set up. Argos and Homebase are sister companies that form part of Home Retail Group. } Please take a look at our dedicated help page for more information. Paying as much as you can before the plan ends will reduce the amount of interest that you pay. NO CODE NEEDED Get Codes. You buy something from Argos using your Argos Card then you pay us back later. If your Buy Now, Pay Later plan ends and you haven't paid the plan balance off IN FULL, then the remaining balance of the plan PLUS the Deferred Interest will be added to your Normal Credit balance and your minimum monthly payment will increase in line with your Terms and Conditions. How might the proposed Royal Mail strike affect my Argos Card? However, you may visit "Cookie Settings" to provide a controlled consent. If you dont pay in full, youll be charged interest on any balance remaining at the end of the plan. If you're finding it difficult to make your required monthly payments, please contact us on 0345 601 0798. We will tell you on your monthly statement when your direct debit is set up. Although there's no charge for having an Argos Card account we may charge: The above charges are referred to in your Argos Card Terms & Conditions as 'Default Charges'. You might find it useful to work out a budget to help you keep track of your spending each month and prioritise debt repayments. normal credit. What should I do to ensure I don't pay more interest than I need to? If I've got a Fixed Amount Direct Debit, what happens if the balance shown on my statement is less than the Fixed Amount? If you've been in Persistent Debt for a while and you have received a letter from us which talks about confirming an option to us, click here to see how to work out your increased minimum payment. You can set a 'hint' when you register to jog your memory if you forget it. What should I do? How do I update my contact details? Were sorry to hear youre having issues with your Argos Card. If your query isn't too urgent you can also log into myargoscard.co.uk to send us a secure message. Have I done anything wrong if I receive a letter about Persistent Debt? Argos Limited is authorised and regulated by the Financial Conduct Authority as a credit broker, and works exclusively with the Argos Card lender, Home Retail Group Card Services, who are authorised and regulated by the Financial Conduct Authority to provide credit. Why won't my statement open? The retailer list below is for Love2shop Plastic Gift . Claim now with code HELLOUNI15. How do I get past it? You can delete or block cookies but it may affect your access to some parts of our site. We need to tell you something important about your account so we've sent a paper statement in addition to your paperless copy to make sure you get it and to remind you to read it. Active noise-cancelling with quick attention mode. Email: complaint.info@financial-ombudsman.org.uk. Will I need my login details to make purchases or manage my account over the phone? The Argos Card lets you shop at Argos, with flexible payment plans that give you longer to pay. You may be able make a balance transfer from an Argos card to a new UK credit card. As a responsible lender, NewDay Ltd will always carry out a credit search. Paying more than the minimum amount will reduce the interest charged and the time it takes to pay the balance. Do note, while we always aim to give you accurate product info at the point of publication, unfortunately price and terms of products and deals can always be changed by the provider afterwards, so double check first. Verified By Visa / MasterCard SecureCode are both operated by debit card issuers. Once you've selected the Currys option, at . How do I make a payment? Its a simple way to pay for your online Argos shopping. No - you can only register one Argos Card account on myargoscard.co.uk. Manage your Argos Card account in your hand with the My Argos Card App. 30/3 month plan length = 10 charged each month for three months. 10 is curry's limit for gift cards on a single purchase, so 250. You can use up to 3 Argos Gift Cards/eGift Cards online in one transaction. If you go over your credit limit you may be charged a 12 fee which is detailed in your terms and conditions. With the Argos Card, only normal credit is available in Sainsbury's. However, you can't use your Argos Card to shop online at Sainsburys.co.uk or when using the Sainsbury's app. But this time, unlike Currys, you can only buy an eGift card. U cant use ur Argos discount online its only allowed to use in store. Here is a full list of where you can spend Love2shop Gift Cards: A. Alton Towers Resort* Alton Towers Water Park* American Golf Antartex Village Argos. UFC 285 will be shown exclusively live on BT Sport, with the preliminary card beginning at 1am UK time on Sunday morning whilst the main card will get . No, you need to let us know that you want to do this via text message or by calling our dedicated helpline. VERTICAL-ALIGN: middle; TEXT-ALIGN: left When you buy your product you'll be able to spread the cost for up to 12 months without being charged interest. How will I know if my Argos Card account is in Persistent Debt? Can I use my Argos card at Sainsburys petrol station? All Rights Reserved. Check your Love2shop card balance. These cookies will be stored in your browser only with your consent. You can still use all of the Buy Now, Pay Later plans to help you spread the cost of your purchases. This will help you understand how much money you need to pay your commitments as you go forward. At the moment you can use your Love2shop Flexecash online and in store, however the Love2shop paper vouchers can only be used in store. Once your arrangement has ended, please call us on 0345 601 0798 so we can then discuss your Persistent Debt repayment options with you. Make sure the mobile phone number on your One4all account is correct, as you'll receive an SMS message to verify your ID before we show you how to spend your gift . You'll also see a padlock symbol somewhere on your browser, which confirms your session is secure (padlock positions may vary dependent on your browser - always make sure that one is showing though whenever you are using secure sites). I've forgotten my details. Credit buying has however alienated the need to have to pay for an appliance at the time of purchase. 5 Can I use my Argos Card in Homebase 2021? The cookie is used to store the user consent for the cookies in the category "Other. To be able to carry on using your Argos Card you must call 0345 601 0798 to let us know what option you have chosen. All you need to know, The best cashback bank accounts: Earnings made easy, The best UK paid focus groups and interview sites, Cancelling Sky To Get A Better Deal Save Up To 60%, 10 simple ways to reduce car insurance costs, 15 simple ways to reduce heating bills by up to 40%, 7 steps to help find the best broadband deal, Blue Light Card Discounts List And Where To Use Your Card, 11 of the best budgeting apps in the UK 2023. If you've received a letter from us about this issue, then your account meets that definition and you need to consider taking action by increasing your monthly payments. The new processes have been agreed and implemented by all banks to help protect their customers from online fraud. If you've already taken some action and started to increase your payments, that's a great start and will help towards moving your account out of Persistent Debt. 14 in 1920 x 1080 Resolution. As the card can still be spent at Argos, its considered usable and youre not entitled to a refund. Over-ear headphones. If you want to change your Direct Debit amount or change the date on which you want your Direct Debit to be collected you'll need to give us a call on 03456 400 700. } If your card doesnt have a four digit PIN you cant use it online, but you can still use it in-store. Spend over 50 to choose from one of our standard credit plans or check out ourspecial offer credit plans. Money Dashboard Review The Best Budget Monitor? Please don't put it off, it really is easier to deal with if you change your payment habits as quickly as possible. To be able to manage these costs, we need to take this action now. How Deferred Interest is included as part of your Minimum Payment? Just like a credit card, you can shop using your Argos Card in Sainsburys stores or at Argos and you dont have to pay anything straight away. If you have set up a repayment arrangement to clear the arrears on your account, then you don't need to increase your payments at the moment. That's where prepaid cards from Edenred come in handy; a secure, efficient, and engaging way of paying out rewards and incentives. You must pay your minimum payment each month. - Manage your account in one easy place. If your email address is not correct then you'll need to give us a call. Why are you increasing the interest rate on my account? You can choose to pay the minimum contractual payment, a fixed amount or the full balance each month. If the date has been and gone then we cant replace it for you (sorry). If we've not been able to do that by the end of the third business day after we've received your complaint, we'll communicate to you to acknowledge this is being investigated further. Your payment due date and statement date are interlinked, though, so by changing one you'll be changing the other. If you have any difficulties making your payments please contact us on 0345 601 0798 as soon as you can so we can help you. Visit their website. Yes, but remember that you will be charged interest from the date the withdrawal appears on your account, as well as an additional withdrawal fee (3% or 3, whichever is greater). The "Buy Now Pay Later" revolution - Business of Business. How is interest calculated on Buy Now Pay Later plans? You'll need to send us one of the following documents (or a copy of the document) with a covering letter that includes your account number and address: Send your documents to: Argos Financial Services, PO Box 211, Park Mill, Huddersfield, HD8 1FA. What happens if I am unable to increase my payments? So, if you need a newwashing machine, want to shop the latest looks from Tu Clothingor are on the hunt for the latestgaming PC, apply for an Argos Card onlineor in-store.Credit subject to status. And then there's the Tesco Extra and Asda superstores. The new Argos Credit Card issued by Vanquis can be used everywhere that accepts credit cards. If you wish to make a complaint you can do so by making contact through any of the channels listed here: We hope to resolve issues as soon as were informed. Currys. In payment options at the checkout, select 'Visa' or 'Visa Debit . Can I withdraw cash from my Argos store card? CODE. The amount you owe and the payment due date are shown in your statement each month as well as on your account summary on myargoscard.co.uk and in the My Argos Card App. And now for your next steps. The first 6 digits of your gift card number will be pre populated. When you open a Your Plan account, you'll get access to your personal Online Account Manager, which you can access 24/7, get the latest information, make changes to suit your needs or make a new additional purchase. What does this mean? They should be able to help. Do I have to spend my Amazon voucher all at once? The amount of interest on an Argos Card balance is calculated monthly. I've recently changed my name. We simply need to warn you that if you continue to pay the minimum, you'd owe the debt over a longer period and be charged more interest during that time. It's shown on the front of your statement each month. We treat all our customers and their applications on an individual basis. Some of the options may mean that we need to suspend your card to help you to start clearing your balance. Retail map locators. Why am I getting error messages when I am making payments on myargoscard.co.uk? Search for any brand. Can I reset my security details if my email address is incorrect? Currys and PC World. We will communicate to you to let you know when you may be able to contact the Financial Ombudsman Service (FOS) to review your complaint. There are a number of deals and electrical sale items at Currys which are launched by the store from time to time. We want to resolve your complaint straightaway and were often able to do this on your first contact with us. Add a photo to your eGift Card. We take your financial circumstances into consideration as well as some other information about your account. What's my Memorable Word and my Security Number? You don't have to repay your Normal Credit balance all at once to keep your Argos Card account in good shape, you can choose to spread the cost instead. What happens if I go over my credit limit? Choose a value up to 250. No - the Minimum Payment Direct Debit will repay any payments that you owe each month, so these will consist of Normal Credit balance repayments and any scheduled payments that repay Fixed Payment or Interest Free Plans. We want to help you, so please contact us on 0345 601 0798 if you want to talk about Persistent Debt. The Potential Deferred Interest will be shown as soon as your plan appears on your Statement. In addition, you can also benefit from a 25 percent discount in store at Habitat, and you can nominate a second card user, as long as you live at the . Pete is a full-time blogger and side hustler and has shared his ideas on making and saving money to over four million people. Then when you go into store, you can apply and pay for your stuff with an Argos Card. We will never ask you for your login details for myargoscard.co.uk. Charges apply when you use your Visa Credit Card abroad. Battery life: up to 35 hours. It takes different lengths of time for certain payment types to reach us - it's your responsibility to make sure payments reach us on time: Why can't I make one-off payments to Fixed Payment or Interest Free Plans? We use cookies to ensure that we give you the best experience on our website. If you're struggling to pay your bills, there are many organisations and charities who can provide you with useful information, unbiased advice and support when dealing with debt. What's Normal Credit? Discounts range between 4% and 8% depending on the time of the year. Can I transfer my Argos Card balance to my Barclaycard? 4. This is so that you can either confirm that you're still able to make increased monthly payments, or so that you can let us know if your circumstances have changed. This wont affect your credit rating at all. APPLY IN-STORE You can apply for an Argos Card in any store. I've sent a text to opt out of the interest rate increase and received an error message. Digital Gift Card We've brought together a glossary of words to help simplify the small print and untangle the T&Cs You can collect and spend Nectar points at Argos. This cookie is set by GDPR Cookie Consent plugin. What happens if I lock my account? These cookies track visitors across websites and collect information to provide customized ads. No interest is charged if you pay in full before the end of the Pay Later period and keep your account up to date. Lines are open 8am to 6pm Monday to Saturday and 10am to 6pm Sunday. No, never. To maintain a quality of service, calls may be monitored or recorded. Can I make a payment using my own online banking? Currently, you can use either of these cards online or in-store. You can contact us on 0345 601 0798 about your options at any time. Once you've had a look and resolved the issue we'll turn paper statements off again. Mostly, yes - you can use your Argos Card to buy groceries, Tu Clothing, Homewares, Electronics basically anything thats stocked in Sainsburys and Sainsburys Local stores. How to watch on TV and via live stream. That shouldn't be a problem - you should give us a call, though, and we can run you through the options. The Financial Conduct Authority (FCA) have rules aimed at helping people who find themselves in this situation. Can I use my Argos classic credit card anywhere? If you set up a direct debit up in the past but have not made any payments within 12 months we may need to set this up again. Can I change my Direct Debit from Minimum Payment to Full Statement Balance or a Fixed Amount in the future if I need to? Once youve selected the Currys option, at the bottom page will be a button for you to select. Find out more about Persistent Debt here. You can turn off your paper statements, and paper letters we occasionally send you, when you log in to myargoscard.co.uk or if you download and register on the My Argos Card App. Give us a call on 0345 640 0700 to discuss this in confidence. Call us on 03456 400 703 to see how we can help. dedicated help page for more information. Use your own name and address for Billing . 50%. You just need to make sure the card number starts with 10000 and youve got a 4-digit security PIN. The cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. Can I use my Argos store card in Currys? This would mean you will pay no interest at all. When buying something online from Argos it will ask for the discount. Discover incredible discounts with this offerArgos Discount Code - Selected Outdoor Toys & Sports items - Buy & Get Up To 25% Off. You'll also only be able to withdraw a maximum of 300 per day. This means it may take longer than usual for you to receive mail from us or for us to receive anything you send to us in the post during this time. Necessary cookies are absolutely essential for the website to function properly. So what better way to spend your One4all Gift Card that in-store with Currys. And if youre borrowing over 50, well give you between 3 and 12 months where you wont be charged any interest (as long as you pay the total balance before the plan ends). How can I see if I have a Direct Debit set up? I made a payment to a plan but the payment has gone towards a different plan. I don't think I'm in Persistent Debt. Can I use my Argos Card to buy cigarettes in Sainsburys? Below, I have listed two of the most popular Argos and Currys. The Argos discount works in a very similar fashion to the above. Its like saying JD Williams and Very have given me a credit card because they have given me credit. If you decide not to pay off the plan by the end date, we'll move the remaining amount to your Normal Credit balance. However, if we do need to contact you we will ask some security questions before we can access your account. Can I register again? Why is that? We are committed to resolving your complaint to your satisfaction and hope that together we can reach an agreement. To find out why your card was refused in the first place, just contact your bank. Find out all the ways you can pay including flexible credit and trade-ins. See more about this deal at Argos . We often link to other websites, but we can't be responsible for their content. In some cases, it may take around a week for your card to be blocked while these changes take place. Just be careful: If your next payment is due within the next 5 working days, then we might have already requested your Direct Debit payment from your bank. How will I know if my Argos Card account is in Persistent Debt? Spend online and in over 800 stores nationwide. They have a huge selection of washing machines, dishwashers, refrigeration, plasma and LCD TVs, laptops, PCs, games consoles, iPods & much more! Depending on what you buy, you can use an Argos Card a bit like you would a regular credit card or take out an Argos Card credit plan. Representative 34.9% APR Variable. National Debtline also helps people to budget and look for ways to increase their income. Purchase a gift card in store, where any value up to 1,000 can be loaded onto a Gift Card. This website uses cookies to improve your experience while you navigate through the website. You can use any type of Argos Gift Card online, as well as in-store. To claim your discount at Currys, you must purchase a gift card. Get Voucher. You will need to provide the 16 digit card number of the store card you are transferring the balance from. The funds will leave your account on your payment due date (which is shown on your statement). Will I need my login details to make purchases or manage my account over the phone? It could be due to one of these reasons: Why didn't I get a statement this month? Can you use love2shop flexecash in Argos store? Your credit limit and remaining balance can be found on your statement, on the App or by logging into this website. Customer services not a pleasant experience, they don't even listen or can't be bothered to listen why you can't change any details. The eGift card will be sent to you digitally via email, whilst the Gift card will be sent to you in the post and should arrive within three days. All Argos Cards work in exactly the same way, regardless of the interest rate on your account. What is APR? How long will it take for my card to be blocked from spending? 3 months). Defence Discount Service is home of the Defence Privilege Card, the vetted discount card that can be used in stores, restaurants and venues to obtain armed forces discounts. Interest is calculated based on the amount outstanding at the end of the plan from the date you took it out. When you reach the checkout, breeze through by picking the PayPal option. The cookie is used to store the user consent for the cookies in the category "Other. 3. dave chappelle: the closer vinyl. If you continue to use this site we will assume that you are happy with it. Shop at Argos with flexible payment plans that give you longer to pay. If you pay off your Plan before the end date, no interest will be charged if you keep your account up to date. What should I do? You will see the length of the Plan available on your product when you checkout. Find out more on their website, A registered national debt advice and education charity offering free, confidential support and impartial advice to anyone worried about loans, credit and debt. Argos Limited 2023. What happens to atoms during chemical reaction? Find out more about Persistent Debt here. If I've got a Fixed Amount Direct Debit, what happens if the balance shown on my statement is less than the Fixed Amount? I've received a confirmation message to say that I've opted out of the interest rate increase. When will my Argos Card become Chip & PIN and/ or contactless? Go here and give us some details about you and your Argos Card (your Card number and expiry date), set up your login details and then you're all done! I've forgotten my details. Argos regularly does an offer where you can get a free 5 voucher when you spend 50, or a 10 voucher when you spend 100, to use on your next Argos visit. Use a valid debit card (e.g. It's critical that we have current contact details for you - occasionally we might need to tell you about critical changes to your account (updates to your terms and conditions, changes to APR etc) and if we don't have your details then we can't contact you.