Plus, you can buy everyday groceries and fuel at Sainsbury's using an Argos Card (just like a regular credit card). If you repay your Buy Now, Pay Later plan balance in full before the end date, you won't be charged any interest. If your email address is not correct then you'll need to give us a call. DSG International has announced a selection of own-brand gadget ranges. Give us a call on 03456 400 700 to ask. Currys and PC World. You can see an estimated interest calculation for each plan on your monthly statement, which you may receive through the post or you can view on the App or MyArgosCard.co.uk. This cookie is set by GDPR Cookie Consent plugin. There are also a few places within Sainsbury's where you can't use your Argos Card to buy anything: Sainsbury's in-store Travel Bureaux. Where you have two or more Buy Now Pay Later Plans due to expire after your next statement period, these will be repaid in the order in which they are due to expire, starting with the Buy Now Pay Later Plan that is due to expire first. Spend online and in over 800 stores nationwide. Upload a photo or use our free designs with a personal message to make your life:style Gift Card unique. Currys Blue Light Card discount. I'm in arrears or have a repayment arrangement, do I need to pay more? We know your debts aren't going to disappear on their own, but we really can help. If you've only become an Argos Card holder in the past 12 months, If you have an emergency temporary credit limit already on your account, If you've changed your limit within the last 6 months, If you're requesting a new limit which is below your current balance, If you're in arrears or you've missed payments. If your query isn't too urgent you can also log into myargoscard.co.uk to send us a secure message. Why am I being told that my details can't be found when I am trying to register? No, never. This info does not constitute financial advice, always do your own research on top to ensure it's right for your specific circumstances and remember we focus on rates not service. You just need to make sure the card number starts with 10000 and youve got a 4-digit security PIN. Why is logging in so difficult? 20%. The first 6 digits of your gift card number will be pre populated. Instead, I had to click on Offers from Discounted Gift Cards. Asos Nike Argos John Lewis Currys. Does my Argos credit card have a PIN number? If your account has had a zero balance for a while we don't send you statements anymore. How long will it take for my card to be blocked from spending? You can look on your latest statement (go to View Statements when you log in) or we'll tell you on your Account Summary. Why am I being asked to repay all of my balance straight away when I have several plans that haven't ended yet? Find out more about Persistent Debt here. You will then be asked to pay a monthly minimum payment and you will be charged interest every month. The minimum amount is 1 and you can increase it in multiples of 1. If your card doesnt have a four digit PIN you cant use it online, but you can still use it in-store. Theres no limit when using Gift Cards in-store. Why is that? If I've got a Fixed Amount Direct Debit, what happens if the balance shown on my statement is less than the Fixed Amount? 4. Currys Business are pleased to offer windows 10 & 11 business laptop deals on a wide range of manufacturers such as HP, Lenovo, Dell, Acer, Toshiba and many more Write to us: You can write to us at Home Retail Group Card Services Ltd, PO Box 211, Park Mill, Huddersfield, HD8 1FA. When we resolve a complaint, we will always communicate to you confirming the resolution. And because it is a credit card, you can also use at over 36 million outlets worldwide, wherever you see the Mastercard logo. If you can afford to pay more each month, you will pay off your balance quicker and you'll pay less interest. Necessary cookies are absolutely essential for the website to function properly. In this case, we'll give you an Argos Gift Card to use the next time you pop in. To be able to manage these costs, we need to take this action now. You also have the option to opt-out of these cookies. Official Argos gift card store. Usually things get back to normal quickly but sometimes the situation can get worse and positive action is required - the remedies are often simple. .tg .tg-f6w8 { Interest is calculated based on the amount outstanding at the end of the plan from the date you took it out. If youve one of these gift cards and want to spend it at Homebase, sadly theres not a lot you can do. No interest is charged if you pay in full before the end of the Pay Later period and keep your account up to date. To claim your discount at Currys, you must purchase a gift card. Octopus refer a friend: 50 credit when switching 2023 code, 10 of the best receipt apps to earn money in the UK, The Top 10 Best Paid Survey Sites In The UK 2021, The best cashback sites in the UK: Earn 100s back, How much do extras get paid? In order to move out of Persistent Debt, you should pay what you can afford to, as often as you can. reasonable costs for enforcing the agreement, including any loss, costs or expenses that may be incurred in collecting money owed under this agreement; It's the amount of interest that you could be charged if you don't pay off the full Buy Now, Pay Later plan balance before the plan ends. Your browser is up-to-date. We will continue to monitor your account for 18 months after we write to you the first time and we'll let you know during that time how you are progressing. Being the same company, credit options offered by both stores are similar. You can only use the Argos card in Argos shops, on the Argos website and in branches of Homebase. Currently, you can use either of these cards online or in-store. Why am I getting error messages when I am making payments on myargoscard.co.uk? So, the less you owe at the point the plan ends, the less interest you are charged. These cookies ensure basic functionalities and security features of the website, anonymously. We call this the "Deferred Interest Portion". Find out how he went from worrying about debt every night to finally being able to give up his 20-year career in the Civil Service. You should also cancel this with your bank. Will my Argos Card application involve a credit search? I think you are confused, Argos have a Credit Card and a Store Card. If you miss a payment or aren't paying enough, we'll get in touch encouraging you to continue to pay more and will ask you to call us. Can I change my Direct Debit details? 6.99. Stay away and avoid, not very helpful at all. If you're using browsers older than Chrome 28, Firefox 27, Microsoft Edge 12, Safari 7. Remember, if you don't want your rate to change you can get in touch with us to close your account on your existing rate, but you won't be able to spend on your Argos Card again. Input a code at the checkout for employees. Why am I being told that my details can't be found when I am trying to register? Go to 'Request New Credit Limit', enter your Annual Income, tell us the TOTAL credit limit you would like to have - that's your current limit PLUS the amount you want (e.g. We'll try to provide you with help that's clear, practical and easy to understand. Go to, Provides free, confidential debt advice in each council area throughout Northern Ireland via an online chat service and by phone. 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. Find out more about Persistent Debt here. At the moment you can use your Love2shop Flexecash online and in store, however the Love2shop paper vouchers can only be used in store. With an Argos card, you can buy anything from Argos, start using it right away but pay them later. Analytical cookies are used to understand how visitors interact with the website. This is because even though previously banned scammers can't comment on posts in r/giftcardexchange they use tricks to make their direct messages look like post comments in your inbox. How do I get past it? Our range of Mastercard prepaid cards not only offer variety but are easy-to-use as they work just like a multi-store gift card. The coronavirus pandemic is affecting every aspect of our lives and each day brings with it changes to the way we work, socialise and shop. What happens if I am unable to increase my payments? . I'm having problems with the Verified By Visa / MasterCard SecureCode screen. Its one of the best discount schemes out there, with so many retailers taking part. How much does it cost to use the Argos Classic Mastercard abroad? How will I know when my Argos Card account is, My Buy Now Pay Later Plan ends soon, and I don't know how I'm going to afford to pay off the balance. Can't you just increase my minimum payment? Currys and PC World. . HaloHarry2k9 2 yr. ago. Heres a look at the credit options offered by Currys, PC World and Argos, three of UKs leading retailers. If you have been in Persistent Debt for 18 months and we will send you a letter or email asking you to choose from some options. What browsers will myargoscard.co.uk work on? For any other changes (name, amount, date) you'll need to call us. If you requested your Direct Debit recently then it's possible that it hadn't been set up in time. Your discount is applied automatically when you have your chosen amount on the card. Representative 34.9% APR variable. How you pay is entirely up to you and all of the ways to pay are listed on the back of your statement, which include: If we sent you a letter asking you to choose an option and you chose to make increased monthly payments, remember to make sure that you're paying your increased monthly payment amount. To find out why your card was refused in the first place, just contact your bank. Find out more about the cookies we use. 1 Can I use my Argos credit card anywhere? As the card can still be spent at Argos, its considered usable and youre not entitled to a refund. You should receive your statement within 10 days of your statement being printed. Can I keep using my Argos Card? Or, you can decide to spread the cost even further. Can I repay more than my Direct Debit each month? Please note that all content is for information purposes only and should not be construed as financial advice. Model Number: See more about this deal at Asus . When entering your card details at the Checkout, youll be given an option to pay by credit card please select this option. Depending on the payment plan one chooses, whether Simply 10 or pay in parts plan, the interest rate will vary. - Manage your account in one easy place. 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. Why it could change your life, Nutmeg Lifetime ISA Review 51.93% Returns, Fidelity Stocks & Shares ISA Review 27.23% Return, 14 of the best investment apps in the UK for 2023. Why has one of my plans disappeared? It's also a choice you need to make, to increase your payments and resolve this situation or not. Argos/Homebase A Cards However, they can still be spent at Argos. No - as the main Card holder, you are solely responsible for managing your account. While credit scores might seem dull, getting your finances in shape is a really important life admin task to tick off the list.